【MBSB 1171 交流专区】马建屋

icy97

Type	Reply to query
Reply to Bursa Malaysia's Query Letter - Reference ID	MM-140423-37347
Subject	REPLY TO QUERY
Description	REF: ARTICLE ENTITLED: “MBSB SAYS IT IS ON RIGHT TRACK TO BECOME A FULL FLEDGED BANK”.
We refer to letter from Bursa Malaysia Securities Berhad (“Bursa Securities”) dated 23 April 2014 (Reference number: MM-140423-37347) on the following highlighted statements mentioned in the the abovementioned article which was published on the Edge Financial Daily Page 6 on Wednesday, 23 April 2014:- “MBSB says it is on right track to be a full-fledged bank.” “… MBSB is capable of being a standalone bank without any mergers and acquisition…” “… MBSB can be a stand alone full-fledged bank as it is already quite “clean and lean”, noting that a banking license is needed if the company wants to operate as a full-fledged bank.” We do not deny the abovesaid statements mentioned in the article. The statements should be read  together with the rest of the article which states that any move towards becoming a bank will require approval from the shareholders and the authorities. We wish to inform that MBSB has been continuously raising its operational standards to close the gap between itself and that of a licensed financial institution. In this context, MBSB has already completed 80% of best industry practices and Bank Negara Malaysia (BNM) guidelines and will expect the balance 20% to be completed within the next 2 years. As of todate, MBSB has yet to make an application to the authorities for a banking license. This announcement is dated 23 April 2014.

APULA

馬建屋未履約貸款 冀2年內降至2%
財經30 Apr 2014 17:25
http://www.chinapress.com.my/node/522200

（吉隆坡30日讯）立志在2年内成为全方位银行的马建屋（MBSB，1171，主要板金融），放眼这2年内将未履约贷款（NPL）降至2%；目前未履约贷款介于5%至5.5%。

该公司总裁兼总执行长拿督阿末再尼指出，只要有良好风险管理架构，相信可进一步降低未履约贷款，至目前2%业界水平，这当中也胥视其他因素如良好收账系统、重组债务能力，及持续管理债务组合等。

“这个目标是马建屋的志向，有这样的目标对公司来说也是好事，我们也将持续强化公司房贷业务，确保符合国家银行责任放贷指南。”

他今日代表马建屋与大马再抵押机构（Cagamas）签署协议后，如是回应媒体提问。列席者包括马建屋主席丹斯里阿都哈林、财政主管阿斯鲁哈斯里、大马再抵押机构主席拿督黄三光、总裁兼总执行长曾志良，及总财务长拉菲查。

银行业未履约贷款水平约2%，相比下马建屋介于5%至5.5%的未履约贷款相当高，阿末再尼透露，这主要都是先前的遗留贷款（legacy loan）拖累，若扣除遗留贷款，公司未履约贷款约为1.2%。

促进资金流动

“回想起7年前，公司未履约贷款高达40%，现在能有这般（5%至5.5%）水平已相当好，只要能妥善管理遗留贷款，相信要在2年内达至2%未履约贷款目标不是问题。”

根据上述协议，一旦马建屋有需要可出售旗下房贷与伊斯兰房贷予大马再抵押机构，藉以促进资金流动；后者将评估有关贷款组合，决定是否在特定年限购买有关贷款。

icy97

MALAYSIA BUILDING SOCIETY BERHAD

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 first quarter ended 31 March 2014 on Thursday, 15 May 2014 in accordance with Paragraph 9.22 of the Main Market Listing Requirements of Bursa Malaysia Securities Berhad. This announcement is dated 30 April 2014.

blizard

请问MBSB和Cagamas所签的合同是什么来的呢？

APULA

首季表現超標 馬建屋獲利近2億
企業財經15 May 2014 16:53
http://www.chinapress.com.my/node/526227

（吉隆坡15日訊）馬建屋（MBSB，1171，主要板金融）截至3月底首季淨利，從1億6614萬令吉，按年起18.4%至1億9673萬令吉。
　
至于營業額亦按年起18.6%，達6億6711萬令吉，對比2013財年首季達5億6247萬令吉。
　
馬建屋總裁兼總執行長拿督阿末再尼發布文告稱：“馬建屋將專注推動持續性盈利成長，雖然商業環境充滿挑戰，但零售業務和企業資產成長，在首季交出正面表現。”
　
他指公司將專注擴展企業業務，包括企劃融資、合約融資、批發銀行等，料有全新策略成長。馬建屋今年會策略性專注于油棕種植融資和工業租賃貸款。
　
此外，該公司首季淨資產按年成長14.6%，達304億令吉。而首季表現亦超越關鍵績效指標（KPI），其中首季股本回酬（ROE）為26.2%，對比全年目標達15%。這主要由伊斯蘭銀行和傳統銀行業務較高收入貢獻。
　
至于首季營業額成長為5.2%，相較全年目標達10%。
　
阿末再尼指，馬建屋將如期達到本財年設下目標。

SUMMARY OF KEY FINANCIAL INFORMATION 31/03/2014

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31/03/2014	31/03/2013	31/03/2014	31/03/2013
		$$'000	$$'000	$$'000	$$'000

1	Revenue	667,110	562,475	667,110	562,475
2	Profit/(loss) before tax	266,964	237,110	266,964	237,110
3	Profit/(loss) for the period	196,734	166,144	196,734	166,144
4	Profit/(loss) attributable to ordinary equity holders of the parent	196,734	166,144	196,734	166,144
5	Basic earnings/(loss) per share (Subunit)	8.37	13.08	8.37	13.08
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	0.00	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 ($$)	1.4579		1.2508

icy97

Type	Announcement
Subject	OTHERS
Description	•        Target Headline Key Performance Indicators (“KPI”) for 2014 •        Achievement of 1st quarter 2014 KPIs
Malaysia Building Society Berhad (“MBSB” or “the Company”) Target Headline Key Performance Indicators for 2014 and its achievement for the 1st quarter 2014 Announcement Details : 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 1ST QUARTER 2014 The Group net return on equity growth has exceeded the Headline KPIs. This was mainly due to higher income from Islamic banking operations and conventional banking business. TABLE 1 Target 2014 Headline KPIs 1st Qtr 2014    3 Months Unaudited Group Results 1. Annualised group net return on equity 15.0% 26.2% 2. Annualised group revenue growth 10.0% 5.2% This announcement is dated 15 May 2014.

APULA

首季淨利勝預期‧馬屋業評級正面
2014-05-19 17:37
http://biz.sinchew.com.my/node/95276?tid=18#ixzz329nJxxNd

（吉隆坡19日訊）馬屋業（MBSB,1171,主板金融組）成功在2014財政年取得開門紅，首季淨利表現基本跑贏市場預測。儘管分析員對整體營運環境仍有顧慮，但還是普遍給予該股正面的投資評級。

馬屋業截至3月31日止首季淨利上揚18.41%，從前期的1億6千614萬令吉升至1億9千673萬令吉，佔市場全年預測大約31%。

首季營業額達6億6千711萬令吉，比去年同期的5億6千247萬令吉高出18.6%。

儘管首季的成本對收入比率（CIR）從前期的18.5%上漲至21.7%，但在貸款與融資減值撥備降低的情況下，馬屋業仍成功錄得淨利成長。

無論如何，考慮到首季的淨利表現主要是受偏低的年化信貸成本所推動（19個基點），惟肯納格研究認為低信貸成本難以持續全年，因此並未僅抱持馬屋業首季淨利與預期相符的看法。

興業研究也相信該集團將在來臨數季面臨信貸成本走高以及淨利息賺幅進一步受壓的困境。

雖然淨利息賺幅（NIM）按年下跌44個基點，但馬屋業仍在首季寫下12.2%的淨利息收入成長。該公司首季的總貸款為321億令吉，年化總貸款成長僅達到1.6%，遠低於公司內部10%的指標。

企業貸款方面，撇除將發放的2億令吉貸款，肯納格預測馬屋業將在來臨數季陸續鎖定約25億令吉的貸款；至於批發銀行業務方面，撇除將發放的6千萬令吉貸款，肯納格預測該集團來臨依舊可獲得約8億令吉的貸款。

“如果上述貸款可在本財政年全面發放，該集團的貸款成長將會超越我們所預測的13%成長率。”

儘管如此，在金融領域劇烈的競爭環境衝擊下，貸款組合上的轉變也料將進一步拉低淨利息賺幅。肯納格暫且維持該集團2014財政年淨利息賺幅下跌32個基點的預測，但不排除將會出現更大跌幅的可能性。

由於肯納格已經將大部份的潛在下行因素計算在內，因此不排除馬屋業來季會出現優於預期的業績表現。有鑑於此，儘管該集團的貸款成長前景受到相當的關注，肯納格仍樂觀看待其前景。



（星洲日報／財經‧報道：孔令堯）

Kevlee

加码！！！

icy97

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	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”)
No. of shares issued under this corporate proposal	49,327,347
Issue price per share ($$)	MYR 2.030
Par Value ($$)	MYR 1.000
Latest issued and paid up share capital after the above corporate proposal in the following
Units	2,674,295,857
Currency	MYR 2,674,295,857.000
Listing Date	06/06/2014

LIMWEESIN

Kevlee 发表于 19-5-2014 09:19 PM
加码！！！

肯定。
去年想买,但价格太高。

chrisllc

想问一下最近MBSB 都起到2.170了，还适合买吗？还是有可能会在近期跌呢？

Rhino

chrisllc 发表于 10-6-2014 12:16 PM
想问一下最近MBSB 都起到2.170了，还适合买吗？还是有可能会在近期跌呢？

这样的问题很难解和主观, 别人看见它有潜质, 认为有机会, 但是也有人认为它过于高估了.

老样子, 还是需要你自己做些功课, 阅读公司近来几季的财报, 关于国内银行业的动态活动, 或参考一些投资银行的评估.

APULA

热门股 马建屋上挑RM2.43
股市 热股技术点评  2014-07-05 12:34
http://www.nanyang.com/node/632930?tid=704

马建屋（MBSB，1171，主板金融股）日线趋势于7月4显现着一段技术反弹走势，于尾盘时继续回扬，闭市时收2.29令吉，按日涨10仙或4.57%。

短期间，该股料会于上挑2.30-2.43令吉水平间。

icy97

Type	Announcement
Subject	SUSPENSION OF SECURITIES
Description	Malaysia Building Society Berhad Suspension of Securities
The Board of Directors of Malaysia Building Society Berhad ("MBSB") wishes to announce that Bursa Malaysia Securities Berhad ("Bursa Securities") has approved the Company's request for a suspension in the trading of the securities of the Company on  the Main Market of Bursa Securities with effect from 9.00 a.m., 10 July 2014 to 5.00 p.m., 10 July 2014 pending the release of a material announcement. This announcement is dated 9 July 2014.

ahlauweihotmail

有传言说CIMB，RHB和MBSB进行合并。会有这可能性吗？

jeremy1983

有消息了吗?

APULA

若合併RHBCAP、CIMB、MBSB 6137億資產成銀行一哥
企業財經10 Jul 2014 17:43
http://www.chinapress.com.my/node/542129
　
（吉隆坡10日讯）兴业资本（RHBCAP，1066，主要板金融）、联昌集团（CIMB，1023，主要板金融）及马建屋（MBSB，1171，主要板金融）或大合并，分析师估计，若属实，兴业资本每股价码料10.12令吉，3家金融机构合并后总资产将高达6137亿令吉，届时马银行（MAYBANK，1155，主要板金融）“银行大哥”地位不保！
市值将达900亿

目前，马银行总资产约5780亿令吉；联昌集团、兴业资本及马建屋总资产则分别约3800亿4000万令吉、1969亿4000万令吉及367亿4000万令吉，合并总资产6137亿令吉，大幅超越前者，势必成为国内银行界新霸主。

大众投资研究分析师在报告中指出，倘若合并消息成真，让3家金融机构合并的价码将是关键；市场揣测将以账面1.75倍价格成交，并以换股方式完成。

“兴业资本是3造中唯一股项遭低估的公司，截至3月底以账面1.29倍交易，联昌及马建屋分别以1.68倍及1.6倍交易，若献购价为账面1.5倍，兴业每股将要价10.12令吉，比周三（9日）闭市价8.72令吉溢价16%。”

若这项交易以换股方式完成，他亦相信以每股10.80令吉入股的Aabar投资会同意这项献议，毕竟该公司投资至今已获58仙股息，交易完成后尚可持股。

日前报导引述消息指出，若以账面1.75倍计算，兴业资本市值约300亿令吉，马建屋市值则达68亿令吉，加上联昌集团，新公司市值将达900亿令吉。

icy97

Type	Announcement
Subject	OTHERS
Description	BANK NEGARA MALAYSIA ("BNM") APPROVAL TO COMMENCE NEGOTIATIONS AND EXCLUSIVITY AGREEMENT BETWEEN MALAYSIA BUILDING SOCIETY BERHAD (“MBSB”), CIMB GROUP HOLDINGS BERHAD (“CIMB GROUP”) AND RHB CAPITAL BERHAD (“RHB CAPITAL”)
We wish to announce that BNM has, via its letter dated 10 July 2014, stated that it has no objection for MBSB, to commence negotiations with (i) CIMB Group and/or its nominees; and (ii) RHB Capital and/or its nominees for a proposed merger of their businesses and undertakings and the creation of an enlarged Islamic banking franchise  (“Proposed Merger”).  The approval to commence negotiations is valid for a period of 6 months from the date of BNM’s letter. (MBSB, CIMB Group and RHB Capital are collectively defined as the “Parties”) Pursuant to BNM’s approval, the Parties have on the same day, entered into an exclusivity agreement to negotiate and finalise pricing, structure, and other relevant terms and conditions for the Proposed Merger for a period of ninety (90) days  (unless otherwise agreed by the Parties) (“Exclusivity Period”).  There will be an automatic extension of the Exclusivity Period upon submissions being made to BNM by the Parties on the Proposed Merger until the date of execution of the relevant definitive agreement(s) to effect the Proposed Merger. All consideration used to effect the Proposed Merger shall be referenced to the respective closing market price of MBSB, CIMB Group and RHB Capital as at 9 July 2014. Further details on the Proposed Merger will be announced in due course. This announcement is dated 10 July 2014. http://www.bursamalaysia.com/market/listed-companies/company-announcements/1682397

Attachments 20140710 press release - cimb, rhb and mbsb exploring merger (final).pdf

APULA

联昌兴业马建屋合併
财经 2014年7月10日
http://www.orientaldaily.com.my/index.php?option=com_k2&view=item&id=126556:&Itemid=198

（吉隆坡10日讯）联昌国际（CIMB，1023，主板金融股）、兴业资本（RHBCap，1066，主板金融股）及马建屋（MBSB，1171，主板金融股）今天宣佈，取得大马国家银行的批准，以商討合併联昌国际和兴业资本的业务，以及和马建屋打造大型伊斯兰银行的计划。       

3家金融机构在晚间联名发文告宣佈，联昌国际和兴业资本及马建屋签了一项长达90天独家协议，商討3家併购案及成立大型伊斯兰银行的所有细节，包括收购价、公司架构和其他相关条件。是项协议含自动延长商议时间的条款。

在经歷了97年亚洲金融风暴后，大马政府为了建立更稳定金融市场，开始大力推动银行领域的合併。2001年金融领域大蓝图中，大马政府採用强制手段要求国內金融机构合併，將当时大马多达50家的金融公司被整合成10家主导银行。这也是大马金融体系第一阶段的整合潮。

隨后国家银行交由市场决定银行的合併进程，在过去10年间，市场出现两项银行合併活动，分別是2006年土著联昌银行和南方银行合併成为今日的联昌国际；以及在2011年丰隆银行收购国贸银行。目前国內仍有8间本地银行。

这一次涉及3家金融机构的大合併，將把本地银行的间数减少至7家，並预期將打造出大马最大的金融机构。不但威胁原本的行业龙头-马银行的地位，也將让行业的排名重新洗牌，这是否引发另一轮金融整合潮，相信会是市场人士密切关注的发展。

兴业资本董事经理甘志强在今日的文告中表示，「我们相信这项併购可以带来更多內在价值和商机。我们希望通过这一次的商谈作进一步的探討。」

同时，联昌国际首席执行员拿督斯里纳西尔说，「我们將商討细节以落实这项创造更大价值的3方併购。」

而马建屋总裁兼首席执行员拿督阿末再尼奥斯曼则说，「这是我们晋身变成大型伊斯兰银行的机会，我们对此感到兴奋。」

僱员公积金局是这3家金融机构的大股东，分別持有马建屋的65%，兴业资本的41%以及联昌国际的15%股权。联昌国际另一大股东为持股29%的国库控股。

此前，市场已经多次传出由僱员公积金局持有的兴业资本和马建屋合併的传言，但是，一直都只闻楼梯响。对於合併的传言，两家公司的管理层指最终决定权在大股东手上，管理层只是执行大股东做出的选择。

而联昌国际近年持续通过併购壮大规模，这项合併將可实现该公司成为过內资產规模最大银行的心愿。

联昌国际、兴业资本及马建屋週三闭市之后，要求于週四（10日）暂停1个交易日，以便作出重大宣布，3家公司停牌前，分別收在7.24令吉、8.72令吉及2.34令吉。3家公司將在週五復牌。

dada112

不知还会不会上升...