【MBSB 1171 交流专区】马建屋

icy97

马建屋末季净利滑跌27.3%

财经 2014年1月28日
（ 吉隆坡2 8 日讯） 马建屋（MBSB，1171，主板金融股）2013財政年末季（截至2013年12月31日止）净利按年下降27.3%，至1亿3354万令吉；营业额则增加43%，至6亿9547万令吉。         马建屋全年净利为5亿9756万令吉，按年成长34%；营业额则按年上扬37.1%，至25亿1081万令吉。

配合业绩发布，该集团建议派发单层终期股息5%，终期股息派发总额达1亿3109万令吉。[东方网财经]

icy97

MALAYSIA BUILDING SOCIETY BERHAD

1. Details of Corporate Proposal
Whether the corporate proposal involves the issuance of new type and new class of securities?	No
Types of corporate proposal	Rights Issue
Details of corporate proposal	RENOUNCEABLE RIGHTS ISSUE OF UP TO 889,807,870 NEW ORDINARY SHARES OF RM1.00 EACH IN MALAYSIA BUILDING SOCIETY BERHAD (“MBSB”) (“MBSB SHARES”) (“RIGHTS SHARES”) ON THE BASIS OF ONE (1) RIGHTS SHARE FOR EVERY TWO (2) EXISTING MBSB SHARES HELD AT 5.00 P.M. ON 26 DECEMBER 2013 AT AN ISSUE PRICE OF RM1.65 PER RIGHTS SHARE (“RIGHTS ISSUE”)
No. of shares issued under this corporate proposal	873,929,354
Issue price per share ($$)	MYR 1.650
Par Value ($$)	MYR 1.000
Latest issued and paid up share capital after the above corporate proposal in the following
Units	2,621,797,777
Currency	MYR 2,621,797,777.000
Listing Date	29/01/2014

Whether the corporate proposal involves the issuance of new type and new class of securities?	No
Types of corporate proposal	Others
Details of corporate proposal	ADJUSTMENT TO THE OUTSTANDING WARRANTS 2011 / 2016 ("WARRANTS") AS SPECIFIED IN THE DEED POLL DATED 21 APRIL 2011 OF MALAYSIA BUILDING SOCIETY BERHAD ("MBSB") PURSUANT TO THE RENOUNCEABLE RIGHTS ISSUE OF UP TO 889,807,870 NEW ORDINARY SHARES OF RM1.00 EACH IN MBSB ("MBSB SHARES") ("RIGHTS SHARES") ON THE BASIS OF ONE (1) RIGHTS SHARE FOR EVERY TWO (2) EXISTING MBSB SHARES HELD BY THE ENTITLED SHAREHOLDERS AT 5.00 P.M. ON 26 DECEMBER 2013 AT AN ISSUE PRICE OF RM1.65 PER RIGHTS SHARE ("RIGHTS ISSUE") (“ADJUSTMENT”)
No. of shares issued under this corporate proposal	2,559,074
Issue price per share ($$)	MYR 0.000
Par Value ($$)	MYR 0.000
Latest issued and paid up share capital after the above corporate proposal in the following
Units	2,621,797,777
Currency	MYR 0.000
Listing Date	29/01/2014

icy97

MALAYSIA BUILDING SOCIETY BERHAD

Instrument Type

Warrants

Description

ADJUSTMENT TO THE OUTSTANDING WARRANTS 2011 / 2016 ("WARRANTS") AS SPECIFIED IN THE DEED POLL DATED 21 APRIL 2011 OF MALAYSIA BUILDING SOCIETY BERHAD ("MBSB") PURSUANT TO THE RENOUNCEABLE RIGHTS ISSUE OF UP TO 889,807,870 NEW ORDINARY SHARES OF RM1.00 EACH IN MBSB ("MBSB SHARES") ("RIGHTS SHARES") ON THE BASIS OF ONE (1) RIGHTS SHARE FOR EVERY TWO (2) EXISTING MBSB SHARES HELD BY THE ENTITLED SHAREHOLDERS AT 5.00 P.M. ON 26 DECEMBER 2013 AT AN ISSUE PRICE OF RM1.65 PER RIGHTS SHARE ("RIGHTS ISSUE") (“ADJUSTMENT”)

Listing Date	07/06/2011
Issue Date	01/06/2011
Issue/ Ask Price	Not Applicable
Issue Size Indicator	Unit
Issue Size in Unit	508,983,887

Maturity Date	31/05/2016
Revised Maturity Date
Exercise/ Conversion Period	5.00Year(s)
Revised Exercise/ Conversion Period
Exercise/Strike/Conversion Price	MYR 1.0000
Revised Exercise/Strike/Conversion Price
Exercise/ Conversion Ratio	1:1
Revised Exercise/ Conversion Ratio
Mode of satisfaction of Exercise/ Conversion price	Cash
Settlement Type/ Convertible into	Physical (Shares)

Remarks :

Reference is made to the Company’s earlier announcements, Circular dated 25 November 2013, Abridged Prospectus dated 26 December 2013 and the notice to the holders of the Warrants (“Warrant Holders”) dated 13 January 2014 in relation to the Rights Issue (collectively referred to as “Documents”). Unless otherwise stated, defined terms in this announcement shall carry the same meanings as defined in the Documents. The Issue Size of 508,983,887 is computed based on the original Issue Size of the Warrants of 506,424,813 plus the 2,559,074 Additional Warrants issued pursuant to the Adjustment. The current total outstanding Warrants stood at 15,850,524. After the Adjustment, the enlarged number of Warrants is 18,409,598. The 2,559,074 Additional Warrants will be listed and quoted on the Main Market of Bursa Malaysia Securities Berhad simultaneously with the Rights Shares on 29 January 2014. The notice to the Warrant Holders containing details of the Adjustment had been desptached to the Warrant Holders on 13 January 2014. This announcement is dated 28 January 2014.

---

Announcement Info

Company Name	MALAYSIA BUILDING SOCIETY BERHAD
Stock Name	MBSB-WA
Date Announced	28 Jan 2014
Category	Listing Information & Profile
Reference No	MB-140122-61538

icy97

國行打債‧馬屋業末季淨利挫27%

2014-01-29 11:07      
（吉隆坡28日訊）受國行打債措施影響，馬屋業（MBSB，1171，主板金融組）截至2013年12月杪的第四季淨利滑落27.26%至1億3千354萬8千令吉。

第四季營業額則攀升42.65%至6億9千547萬令吉。

全年淨利上漲33.79%至5億9千756萬8千令吉，全年營業額增加33.07%至25億1千零81萬9千令吉。

派息5仙
董事部建議派發每股5仙股息。

馬屋業在文告中指出，盈利增長主要是伊斯蘭銀行透過個人融資業務帶來更高的收入，房貸收入則因放貸減少而略為降低，至於企業貸款的收入升高，因放貸增加，以及個別評估減值撥備降低。

展望未來，馬屋業表示，雖然成長將放緩，但個人融資將繼續為該公司零售領域資產成長的主要推手。（星洲日報／財經）

SUMMARY OF KEY FINANCIAL INFORMATION 31/12/2013

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31/12/2013	31/12/2012	31/12/2013	31/12/2012
		$$'000	$$'000	$$'000	$$'000

1	Revenue	695,470	487,525	2,510,819	1,831,560
2	Profit/(loss) before tax	251,415	245,747	932,349	656,227
3	Profit/(loss) for the period	133,548	183,606	597,568	446,651
4	Profit/(loss) attributable to ordinary equity holders of the parent	133,548	183,606	597,568	446,651
5	Basic earnings/(loss) per share (Subunit)	7.66	7.40	37.07	21.64
6	Proposed/Declared dividend per share (Subunit)	5.00	27.00	10.00	33.00
		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 ($$)	1.2508		1.2066

Type	Announcement
Subject	OTHERS
Description	Malaysia Building Society Berhad Proposed Single-Tier Final Dividend for the financial year ended 31 December 2013
The Board of Directors has recommended a Single-Tier Final Dividend of 5.0% (5.0 sen net per Ordinary Share) for the financial year ended 31 December 2013. Based on the enlarged issued and paid up share capital of 2,621,797,777 ordinary shares of RM1.00 each (after the Rights Issue) the final dividend payable would amount to RM131.090 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 5% for the financial year ended 31 December 2013. The approval for the proposed Single-Tier Final Dividend of 5% 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 will be announced after the Annual General Meeting. This announcement is dated 28 January 2014.

icy97

MALAYSIA BUILDING SOCIETY BERHAD

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 2013.
ECONOMIC PROFIT AND LOSS STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2013 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=1.414 2nd Quarter 2013=1.400 4th Quarter 2012=1.510 (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=3.765% At 30 June 2013=3.700% At 31 December 2012=3.490% (iv) The market risk premium is assumed at 5.64%, which represents the market return in excess of the return earned on risk free asset. TABLE 1 31 Dec 2013 12 months (Unaudited) RM’000 31 Dec 2012    12 months   (Audited) RM’000 Group profit after taxation 597,568 446,651 Less: Cost of capital employed (216,183) (199,935) Economic profit 381,385 246,716 This announcement is dated 28 January 2014.

icy97

MALAYSIA BUILDING SOCIETY BERHAD

Type	Announcement
Subject	OTHERS
Description	Malaysia Building Society Berhad (“MBSB” or “the Company”) would like to announce its achievement for the 4th quarter 2013 as compared to the 2013 Headline Key Performance Indicators (“KPIs”).
HEADLINE KPIs The Company would like to announce the target Headline KPIs for 2013 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 2013 The Group’s net return on equity and revenue growth have exceeded their respective Headline KPIs. This was mainly due to higher income from Islamic banking operations via personal financing and higher net interest income from conventional business. TABLE 1 Target 2013 Headline KPIs 4th Qtr 2013           12 Months Unaudited Group Results 1. Annualised group net return on equity 15.0% 32.4% 2. Annualised group revenue growth 25.0% 37.4% This announcement is dated 28 January 2014.

icy97

放眼10亿税前盈利　马建屋加强企业贷款

财经 2014年1月29日
（吉隆坡29日讯）隨著2013財政年（12月31日结帐）税前盈利创下64年来新高，取得傲人成绩，马建屋（MBSB，1171，主板金融股）放眼2014財政年税前盈利达到10亿令吉，而整体贷款业务料增长10至12%。       

同时，马建屋总裁兼首席执行员拿督阿末再尼奥斯曼指出，即將在2014財政年次季（4月份）推出的油棕种植园融资计划，將加强其企业贷款的成长。他表示，此举可以让马建屋除了房地產和石油天然气业务之外，还可以得到更多的企业业务贡献。

根据其市场价值分析，大马种植领域发展良好，加上金融成本合理，他相信，这项计划的收益將相当大，放眼在今年发放400万至500万令吉的贷款。

他表示，在2013年有许多大型的种植领域合併收购活动进行，如FELDA环球投资（FGV，5222，主板种植股）全面收购笨珍统一种植、IOI集团（IOICorp，1961，主板种植股）併购商联种植（Unico，5019，主板种植股）等活动，都是催谷种植领域的主要因素。

「有许多种植交易活动將会陆续而来，」他补充，像沙巴和砂拉越等地区都充满商机，这会让马建屋业务达到另一个新高水平。

拿督阿末再尼奥斯曼在出席马建屋全年业绩匯报会的记者会上，如此指出。另外，对于零售业务，马建屋將运筹帷幄，他指出，该集团目前7个分销站可以提供伊斯兰个人贷款（PF-i）服务，料在今年3月尾將额外增加8间分销站，以提供此服务。

马建屋2013財政年（截至2013年12月31日止）净利为5亿9756万令吉，按年成长34%；营业额则按年上扬37.1%，至25亿1081万令吉。

他指出，能获得如此好的业绩，这主要是受到伊斯兰银行业务个人融资的高收益带动，虽然以较慢的幅度增长，个人融资將继续成为公司零售业务的主要推动力。

阿末再尼奥斯曼对公司2014財政年表示非常乐观，税前盈利预计可以达到10亿令吉。此外，他表示，2014財政年的呆账率预料將从去年的4.5%，下降至3.4%。

前景乐观

他指出，该公司2014財政年税后盈利为5亿零700万令吉，其投资组合在过去4年也取得稳定的增长，至今总共有240亿令吉；而该集团收入在去年稍微下跌，但还是维持在平稳的状况。

他透露，马建屋的零售和企业业务，各佔80和20的比重，计划在未来两年內会逐步减少零售业务的比重，而增加企业业务的比重，使零售和企业业务取得60和40的比列。

展望2014年，在外围和內在的种种因素，如美国量化宽鬆（QE）退场及生活成本上涨，他表示，今年会是充满挑战的一年。虽然如此，他依然对马建屋的发展前景有著乐观的看待。

他曾指出，透过內部发展较为耗时，因此比较倾向以合併方式，成为全方位的银行。

针对哪家银行会成为其潜在合併伙伴，他並未给予正面的答复，而表示市场內外的银行皆有可能成为其合作伙伴；同时，他也不排除兴业资本（RHBCAP，1066，主板金融股）將成为其合併对象的可能性。

他强调，这项计划最终决定权是股东，他们只是负责给予股东最具利益的选择。[东方网财经]

icy97

公積金局增持至64.72%‧馬屋業興業合併引關注

2014-02-08 11:26      
（吉隆坡7日訊）馬屋業（MBSB,1171,主板金融組）大股東公積金局（EPF）藉附加股計劃進一步增持馬屋業股權至64.72%，對馬屋業的掌控性大大提昇，會否如市場預測般與興業資本（RHBCAP,1066,主板金融組）旗下興業銀行（RHB Bank）合併，格外值得期待。

傳馬銀行聯昌爭購興業

不過，最近也有市場消息傳出馬來亞銀行（MAYBANK,1155,主板金融組）及聯昌集團（CIMB,1023,主板金融組）將出手爭購興業資本；若消息屬實，看來未來數月國內銀行業將出現大混戰，或打亂公積金局的佈局。

馬屋業與興業銀行的合併計劃一直傳得沸沸揚揚，市場普遍預計公積金局會全購興業資本，之後與興業銀行合併，並將上市地位從興業資本轉移至興業銀行。

公積金局皆是馬屋業及興業資本的大股東，持有這兩家公司的64.72%及40%股權。

馬屋業發表文告指出，公積金局上週三認購馬屋業的5億6千932萬股附加股，相等於21.71%股權，促使總持股權已攀升至64.72%，或16億9千712萬6千股。

2配1售附加股籌14.7億

該公司以2配1比例發售附加股，以籌措高達14億7千萬令吉，以擴充金融業務和購買金融工具。

馬屋業早前不否認與興業銀行合併為考量之一，並強調若大股東確定未來發展方向，短期內可進階成為銀行。

受國家銀行打債措施影響，該公司2013財政年末季淨利滑落27.26%至1億3千354萬8千令吉，但全年淨利仍上漲33.79%至5億9千756萬8千令吉（星洲日報／財經）

Name	Employees Provident Fund Board
Address	Tingkat 19, Bangunan KWSP, Jalan Raja Laut, 50350 Kuala Lumpur.
NRIC/Passport No/Company No.	EPF ACT 1991
Nationality/Country of incorporation	Malaysia
Descriptions (Class & nominal value)	Ordinary Shares of RM1.00 each.
Name & address of registered holder	Citigroup Nominees (Temptatan) Sdn. Bhd. Level 42, Menara Citibank, 165, Jalan Ampang, 50450 Kuala Lumpur.

Details of changes

Currency: Malaysian Ringgit (MYR)

Type of transaction	Date of change	No of securities	Price Transacted (RM)
Acquired	29/01/2014	569,320,663

Circumstances by reason of which change has occurred	Shares derive from Rights Issue event.
Nature of interest	Direct.
Direct (units)	569,320,663
Direct (%)	21.71
Indirect/deemed interest (units)
Indirect/deemed interest (%)
Total no of securities after change	1,697,126,483
Date of notice	04/02/2014

流浪小烧包

合拼会影响股价？

01my

国内4大银行评级下修 公积金局回酬或受影响
二零一四年二月十一日 凌晨十二时四十分
http://www.kwongwah.com.my/news/2014/02/11/9.html

（吉隆坡10日讯）由于国际评级机构标准普尔（S&P）近期将4大国内银行的评级皆从“稳定”，下修至“负面”，加上国行潜在升息和经济减缓，或殃及银行业者表现，进而影响公积金局投资回酬。

据财经周刊《Focus Malaysia》报导，公积金局总计投资近506亿令吉在银行股项，占当局股市投资约四分之一，更是数家国内银行上市公司的大股东。

雇员公积金局（EPF）投资组合显示，银行股项占证券投资高达四分之一，市场担心该局投资过于集中银行股项或有风险，甚至影响未来股息的派发。

报导指称，公积金局在银行领域投资极为吃重，使市场隐忧日升，甚至担心该局2013年能否维持至少6.15%的股息。

公积金局持有马建屋（MBSB，1171，金融组）约43%股权；其次为兴业资本（RHBCAP，1066，金融组），持股逾41.3%。

尽管公积金局已是数家银行大股东，但数据显示该局有增持银行股项的迹象。其中，安联金融集团的持股率从11.32%增至16.48%。

尽管如此，公积金局公关总经理聂阿芬迪回应《Focus Malaysia》访问说，公积金局在国内金融领域的投资，符合大马交易所的庞大金融领域规模。

“银行是我国有活力的领域之一，公积金局看好银行领域的投资。”

他指出，公积金局积极参与公开市场股票买卖，也根据该局前景和投资策略买卖股权。

有关公积金局投资政策将影响旗下逾1370万名会员的退休金，该局于2012年派发6.15%股息，2013年股息还未宣布。

cai

请问这里的前辈。MBSB的利息是在几时分发的。谢谢

cai

icy97...谢谢你

Kevlee

上车了。希望没上错车。

koo_2828

不是吧，希望没有上错车。。

kingguok

是时候开车了！

icy97

馬建屋值得投資嗎？

2014-04-06 19:18      

讀者陳先生問：
金融股馬建屋（MBSB，1171，主板金融組）值得投資嗎？該公司最近有甚麼消息及業務前景如何？

答：
大馬證券研究甫於2月初對該公司進行最新剖析，相信可以作為一點參考。

該公司管理層在匯報會上指出，自政府在2013年中實施貸款緊縮管制活動以來（主要是應付日益高漲的家庭債務），使馬建屋個人貸款業務出現走緩衝擊。為了應對這項新發展，該公司將會通過加強業務的周轉時間及產品特點等優勢，以應付市場競爭。

馬建屋主要業務是放貸及相關活動，所以，未來的貸款活動與成長，將與業務表現息息相關。

談到貸款活動時，大馬研究預測馬建屋的2014年財政年的貸款成長為6.8%，比較2013年財政年的18.9%低得多。同時，目前一般的商業銀行貸款成長是放眼在約10%水平。

馬建屋個人貸款（特別是以政府公務員為主）占總貸款額的73%，預料在2014年財政年僅成長6.0%，比2013年財政年成長31.4%顯然低很多。

有意專注企業貸款

這使馬建屋有意轉向專注企業貸款（目前占公司總貸款的10%）領域，以使2014年財政年成長推高至16%，特別是在2013年財政年是負成長17.0%，這意味著要在企業貸款中迎頭赶上，以填補個人貸款走緩的利空。

不過，其個人貸款成長走低，相信也不全是壞事，因為可避免冒更高風險或降低呆賬風險。

馬建屋的企業貸款領域的優勢，主要是周轉期較快（客戶較快還錢），同時，該公司也有意要推高及參與較大型的財團貸款領域。

較令人寬心的是，馬建屋管理層認為有信心淨利息賺幅可保持在2013年財政年的4.50%水平，包括企業與消費者領域在內。

大馬研究指出，馬建屋2013年第4季的減記貸款取得顯著改善，按季下跌39.7%，至16億令吉（前期為27億令吉），主要是攤消一些以往遺留下來及提供撥備的減記貸款，因而沒有影響到損益表。同時，這顯著改善減記貸款數據，即從2013年第3季的8.4%，減少至2013年第4季的5.2%。而第四季的貸款損失回收則改善至98.2%，第三季僅為93.0%。

馬建屋管理層指出，隨著該公司最近完成附加股計劃後，使第一級資金比例，走高至8%以上水平。該公司2013年財政年的盈利成長達到34%，隨著個人貸款成長放緩，相信該公司將持續開拓新成長領域，這是值得投資者注意它成敗的領域。

2月初，大馬證券對馬建屋給予“買進”評級，合理價則保持在2令吉40仙（當時其市價為2令吉17仙），包括全面反映附加股計劃除權後的股價，以及其2014年財政年股本回酬率17.4%，以及股價/賬面值比1.7倍水平為估值基礎。（星洲日報／投資致富‧投資問診‧文：李文龍）

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伊斯蘭存款制度調整‧馬屋業成本料走揚

2014-04-16 17:01      
（吉隆坡16日訊）馬屋業（MBSB,1171,主板金融組）運作成本料因伊斯蘭存款制度調整而走揚，分析員下調財測，但維持評級及目標價不變。

興業研究表示，馬屋業為專門提供公務員信貸服務的金融業者，因個人貸款業務受國行收緊房屋貸款措施影響，如今轉為專注提供企業貸款，把目標放在部份零售組合。

“馬屋業放眼2015財政年貸款成長8%至12%，預期更多非利息收入來自回教保險及財富管理產品，抵押貸款料因開始提供更具競爭力的利率（貸款基本利率-2.4%）而恢復成長。”

不過，因零售組合潛在營業額將萎縮及面臨短期監管風險，本益比調低至10倍，前期為11倍，落在銀行估值尾端。

下調今後年財測2至3%

“隨著金融服務法令調整及運作成本將走揚預測，下調2014/2015財政盈利預測2至3%，相信轉換至現金融資存款將更加符合該機構資本管理策略及存款需求。”

馬屋業預料將在2015年6月的期限前整頓其分享存款（Mudharabah Deposits），從2012財政年的150億令吉提昇2013財政年的210億令吉，至現金融資存款（Tawarruq Deposits）或投資戶口。

興業研究認為，企業及抵押貸款持續向上增長趨勢可能帶動該股獲重估，一旦獲頒銀行執照也將完整化其財政業務及吸納存款活動，至於主要風險包括監管風險、資產品質及成本收入比率惡化。

有鑑於此，維持“買進”評級及目標價2令吉60仙不變。（星洲日報／財經‧報道：郭曉芳）

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马建屋2年成全方位银行

财经 2014年4月22日
（吉隆坡22日讯）银行转型议题再度成为马建屋（MBSB，1171，主板金融股）股东常年大会的焦点，该公司总裁兼首席执行员拿督阿末再尼奥斯曼对此进一步表示，即使不以合併的方式，马建屋在2年內也有能力成为全方位银行。       

他指出，带领马建屋转型成为全方位的银行的目標一直没变，虽然马建屋有能力靠自己达到目標，但通过併购可以更快速地扩展银行业务。

自从合併消息传出后，他就再三强调，这项计划最终决定权依然是大股东，管理层只是执行大股东做出的选择。

「决定仍然会以股东们的利益为主，如果他们想要以合併方式，我们將会以他们的意愿为主。」

阿末再尼奥斯曼今日出席该公司股东常年大会后的记者会上，发表上述言论，陪同出席者还有高级副总裁兼首席財务员邓佑西。

与此同时，邓佑西透露，如果马建屋不以合併方式进行转型，至少需花费两年时间才能达到成为全方位银行的目標。

「目前，马建屋转型为全方位银行的进度已达到80%，余下的20%料在两年后才能完全成形。」

5大业务扶持

此外，马建屋之前建议派发每股5%或5仙的终期单层股息，在今日的股东大会上正式获得通过。

出席马建屋股东大会的一名不具名小股东向《东方財经》透露，马建屋管理层在大会上分享公司的前景展望，並称2014年营业额將受到5大业务扶持，分別为第一、中小型企业（SME）和土著的融资计划；第二、油棕种植园融资计划；第三、汽车贷款（HP）业务；第四、油气融资业务；第五、开拓新批发领域。

该小股东表示，公司今年计划开设6家新分行，马建屋目前拥有45家分行，而该公司全马第一家儿童基金公司设在蒲种，並计划在檳城开设另一家分行。

小股东说，马建屋管理层认为，產业盈利税（RGPT）实行主要是政府为了打击產业市场的投机活动，以放缓新盘推出的速度和数量，相对的也降低房產供应。

管理层称，虽然供应减少，但需求却日益剧增，而且巴生谷、金三角地段仍是房產热区。

因此，管理层预测，政府在未来3至4年不会取消產业盈利税的措施，因为只有长期实行，才能看到打房措施的成效。

除此之外，在国家银行推出种种措施，包括伊斯兰金融服务法令（IFSA）下，阿末再尼奥斯曼仍然对公司非常有信心，並预测2014年整体贷款业务能取得10至12%的增长。

「我们依然非常自信，公司2014財政年税前盈利可以达到10亿令吉。」

他表示，在约两年前，马建屋將开始朝向多元性的发展，包括企业、批发、种植融资等，虽然国行推出的措施可能对业务造成影响，但相信影响不大，马建屋目前的营业额仍保持稳定的成长。

4大盈利贡献

零售、企业、產业和油气业务仍是马建屋主要的业务贡献来源，而新推出的油棕种植园融资计划料使企业贷款的成长走强。

唯，邓佑西表示，该计划还在初始状况，要等正式打入市场后，才能看到显著的贡献。

马建屋目前的成本对收入比率为18%，阿末再尼奥斯曼预计，在2014和2015財政年均有4至5%的成长。

「即使没有伊斯兰金融服务法令，公司的成本还是会上升，这归咎于马建屋正在转型为全方位银行的举措。」【东方网财经】

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ype	Announcement
Subject	NEW ISSUE OF SECURITIES (CHAPTER 6 OF LISTING REQUIREMENTS) OTHER ISSUE OF SECURITIES
Description	MALAYSIA BUILDING SOCIETY BERHAD (“MBSB” OR “COMPANY”) DIVIDEND REINVESTMENT PLAN THAT GIVES SHAREHOLDERS OF MBSB THE OPTION TO ELECT TO REINVEST THE ELECTABLE PORTION OF THEIR FINAL CASH DIVIDEND IN RESPECT OF THE FINANCIAL YEAR ENDED 31 DECEMBER 2013 IN NEW ORDINARY SHARES OF RM1.00 EACH IN MBSB (“MBSB SHARES”) (“FIRST DIVIDEND REINVESTMENT PLAN”)
Reference is made to the announcements dated 10 October 2013, 22 November 2013, 10 December 2013, 2 April 2014 and 10 April 2014 as well as circular dated 25 November 2013 in relation to the dividend reinvestment plan (collectively referred to as “Documents”). Unless otherwise stated, defined terms in this announcement shall carry the same meanings as defined in the Documents. On behalf of the Board of Directors of MBSB (“Board”), AmInvestment Bank Berhad (“AmInvestment Bank”) wishes to announce that the issue price for the new MBSB Shares to be issued pursuant to the First Dividend Reinvestment Plan applicable to the single-tier final cash dividend in respect of the financial year ended 31 December 2013 of five (5) sen per MBSB Share (“Final Dividend”) has been fixed today (“Price Fixing Date”) at RM2.03 per new MBSB Share (“Issue Price”). The Issue Price represents a discount of approximately 9.78% to the ex-dividend volume weighted average market price (“VWAP”) of MBSB Share of RM2.25, which was arrived at after taking into consideration:- (a)        the five (5)-day VWAP of RM2.30 per MBSB Share up to and including 21 April 2014, being the last trading day prior to the Price Fixing Date; and (b)        a dividend adjustment of 5 sen to the five (5)-day VWAP of MBSB Share. Barring any unforeseen circumstances, the new MBSB Share arising from the First Dividend Reinvestment Plan will be listed on the Main Market of Bursa Malaysia Securities Berhad early June 2014. This announcement is dated 22 April 2014.

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EX-date	06/05/2014
Entitlement date	08/05/2014
Entitlement time	04:00:00 PM
Entitlement subject	Final Dividend
Entitlement description	Single-tier Final Dividend in respect of the financial year ended 31 December 2013 of 5.0 sen net per ordinary share of RM1.00 each in MBSB.
Period of interest payment	to
Financial Year End	31/12/2013
Share transfer book & register of members will be	to closed from (both dates inclusive) for the purpose of determining the entitlements
Registrar's name ,address, telephone no	Equiniti Services Sdn Bhd (11324-H) Level 8, Menara MIDF, 82, Jalan Raja Chulan, 50200 Kuala Lumpur. Tel: 03-21660933
Payment date	05/06/2014
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	08/05/2014
b.Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit	06/05/2014
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	0.05