【PBBANK 1295 专区】 大众银行

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原帖由 无花 于 31-3-2009 07:47 AM 发表
爽?! 才两LITRE 罢鸟, RM 3.XX 的股息

不过我在EX 之前买了老虎
如果情况不太坏, 我就的申请附加股和他死过,有赚的话就存起来打大象

之前我也想过买老虎，不过它生爱滋喔！

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原帖由 随风飘 于 30-3-2009 09:51 PM 发表
这个月，明天就是最后一个交易天
不要说破6，破7都不可能的事，弹煮只有接你的子弹

你打算要如何射她？

那就要看她要我怎样射咯。

ThermoFisher

2月份貸款成長走緩至10.9%

（吉隆坡31日訊）大馬銀行2月份的貸款成長放緩至10.9%，達7293億令吉。1月份的貸款成長為11.7%。

根據國行發表的最新數據顯示，大馬的M3貨幣供應成長放緩至7.7%，低于1月份的9%成長。此外，銀行的存款率則上升9.3%，至9765億令吉，也低于1月份的9.2%成長。

銀行的淨呆帳率則維持在2.2%的水平。銀行的風險加權適足率（RWCR）則從1月份的12.6%，稍微增長至13%，核心資本比率（CCR）為11.1%。

另一方面，銀行的貸款申請從1月份的下跌21%，改善至成長4.8%；而貸款批准也收窄跌幅，從1月份的下跌35.5%，改善至下跌15.8%。

无花

OSK 的研究,贴上来给大家看看,其中有些BNM的数据
BANKING
BNM Monthly Statistics (Feb ‘09)
Loans growth continued to reflect a moderating trend, registering growth of 10.9% y-o-y vs
January 09’s 11.7% and CY2008’s 12.8%, while asset quality remained intact with net NPL ratio
remaining flat at 2.2%. However, as the leading indicators of loans approval and applications
continue to trend down, we are maintaining our view that loans growth will moderate to 4.0% for
CY09. We remain cautious over the potential lag impact from the uptick in NPLs in the SME and
consumer HP loan segments. Maintain NEUTRAL on the sector. As credit cost accelerates, we
expect banks’ share price performance to re-test their recent lows.
Loan growth moderates marginally but still strong for now. Loans growth in the banking system
moderated marginally, rising 10.9% in February ‘09 vs 11.7% in January ’09, largely driven by the nonconsumer
SME loan segment (+12.4%). This was attributed to lending for working capital purposes
(+9.0%) and loans for the purchase of non-residential properties (+19.4%), which is subject to risk of a
potential spike in NPLs when the credit cycle turns. Consumer household loans growth was more
subdued, registering a growth of 9.7%, mainly driven by loans for the purchase of residential properties
(+10.3%) and personal loans (+16.9%), while HP and credit card loans grew 7.2% and 8.1%
respectively.
Leading indicators remain negative. On a y-o-y basis, loan applications and approvals continued to
decline despite the low base effect of the February 08 period, which was impacted by a shorter working
month due to the CNY festive season, falling in February from January ‘2009. Loan applications and
approvals declined 9.6% and 26.6% respectively. More importantly, reaffirming our view that the SME
segment carries a significant upside risk in credit defaults, the leading indicators showed a significant
decline in banks’ risk appetite for this segment, with loan disbursements declining 15.6% y-o-y (vs Jan
09’s growth of 8.2%).
Overall leading indicators
Loan applications: -9.6% y-o-y in Feb 09 (Jan 09: -21.0%)
Loan approvals: -26.6% in Feb 09 (Jan 09: -35.6%)
Loan disbursements: -8.0% in Feb 09 (Jan 09: -10.0%)
Breakdown of leading indicators by loan segment
SME:
Loan applications: -23.5% y-o-y in Feb 09 (Jan 09: -29.3%)
Loan approvals: -33.5% in Feb 09 (Jan 09: -44.9%)
Loan disbursements: -15.6% in Feb 09 (Jan 09: 8.2%)
Household:
Loan applications: -12.2% y-o-y in Feb 09 (Jan 09: -20.8%)
Loan approvals: -10.1% in Feb 09 (Jan 09: -17.6%)
Loan disbursements: 1.2% in Feb 09 (Jan 09: 0.0%)

无花

Banking system still flush with liquidity. Total deposits dipped marginally m-o-m by RM200m. On a
y-o-y basis, growth moderated to 8.3% in February ‘09 vs January 09’s y-o-y growth of 9.2%. This was
in part due to net foreign outflows during February. By holders, the lower deposits reflected withdrawals
by business enterprises and financial institutions while negotiated instruments of deposits and money
market instruments were the main types of deposit contraction. The loans to deposit ratio remained
relatively stable at 73.6% vs January 09’s 73.4%.
Asset quality still holding up. The banking system’s asset quality remains intact with no signs of
NPLs picking up. The 3-month net NPL ratio remained stable with net NPLs at 2.20% while the loan
loss coverage ratio sustained at 87.5%. However, we continue to be cautious over the potential lag
impact of an uptick in NPLs from the SME and consumer HP loan segment, which could emerge from
2Q09 onwards.
Interest rates down in tandem with lower OPR. Both FD rates and ALR fell on the cut in the OPR to
2.00% in February ‘09. The average FD rates ranged from 2.02% to 2.52% for tenures of between 1
month and 12 months, while interbank rates also trended lower to the range of 1.98% to 2.00%. The
average lending rates (ALR) and base lending rates (BLR) declined to their historical lows of 5.49% and
5.53% respectively from 5.77% and 5.91% previously. We expect this to be reflected in further
contraction in bank’s NIMs to roughly 2.58% from 2.64%.
Capital position remains strong. The banking system’s capitalisation remained strong, with the riskweighted
capital ratio and core capital ratio strengthening further to 13.0% and 11.1% respectively vs
January 09’s 12.6% and 10.7% respectively.

ThermoFisher

isaacfong

原帖由 弹煮 于 31-3-2009 10:00 PM 发表

可能会有小小涨潮

那天你又说大象会下，现在又讲会有小小涨潮；到底大象会下吗？我相信你啦！

1118

弹煮的意思应该就是。。。大象会下小小涨潮！

弹煮

下是会下，你要耐心等咯
这个星期应该不太可能下来。

power1988

等 ........ ?

等代下次的机会 ....... ?

我也看好PUBLIC ....RM7.55 30 lots

弹煮

Stock Name	PBBANK
Stock Code	1295
Last Price	7.700
Change	0.150
High	7.700
Low	7.550
Volume	9,812
01-Apr-2009 04:18 PM

反弹鸟

花生包

原帖由 弹煮 于 1-4-2009 01:55 PM 发表
下是会下，你要耐心等咯
这个星期应该不太可能下来。

我看不容易下来了。报纸一直卖好消息，散户早都等不及买光光了，大家害怕来不及上船。

goodluck88

姐姐很神一下

goodluck88

强。。。
一买就买20千的货。。。
羡慕。。

弹煮

原帖由 花生包 于 1-4-2009 04:50 PM 发表


我看不容易下来了。报纸一直卖好消息，散户早都等不及买光光了，大家害怕来不及上船。

“不容易下来” 是你说的啊

花生包

对啊！今天都起到7角钱了。反弹厉害哦！！

不过我是觉得没有那么容易维持的。金融股今年都不会太好了。

迟点还要看美国的车厂怎样哦！

无花

最发信用卡也来爆一爆

raymond8685

可怜我还在7.30痴痴的等

silly1125

说实话，我还不想她上得这么快

坚持记错

哈哈。。你比较好。我一直在7等。。
现在那吉要接任，又还有大选，我想这几个星期都不太可能。