Beli saham ketika harga murah
JOHOR BAHRU - Orang ramai sepatutnya mengambil peluang dengan membeli saham-saham berharga murah di pasaran saham tempatan pada masa sekarang sebagai usaha mengaut keuntungan apabila pasaran kembali naik seiring dengan pemulihan ekonomi negara yang dijangkakan berlaku pada akhir tahun ini.
Timbalan Presiden Persatuan Perunding Unit Amanah Bumiputera Malaysia, Norizam Tukiman berkata, selain membeli saham, produk saham amanah(UNIT TRUST) juga boleh dijadikan pilihan kerana ia memiliki risiko yang rendah.
"Pelabur perlu bertindak segera kerana pasaran saham akan pulih tidak lama lagi dan ini dibuktikan oleh kajian yang dilaksanakan oleh pakar-pakar ekonomi terhadap keadaan ekonomi negara.
"Ekonomi negara Asia seperti China juga akan pulih lebih awal berbanding Eropah," katanya ketika ditemui di pejabatnya di sini baru-baru ini.
HAYAT : keadaan ekonomi dijangkakan pulih lebih awal bagi negara-negara Asia termasuk China,India,Brazil dan Indonesia berbanding Amerika Syarikat.Oleh itu,pelaburan-pelaburan yang dijalankan di negara-negara ini akan memberikan hasil/pulangan yang lebih besar di samping promosi-promosi menarik yang ditawarkan..Belajarlah menyimpan ketika umur masih muda supaya simpanan yang ada boleh membantu kita di kala susah atau di hari tua kelak..
Sunday, July 26, 2009
Saturday, July 25, 2009
What they said about China...
“Chinese stocks are the most attractive worldwide as the global economy recovers.”
- Barton Biggs, former chief global strategist for Morgan Stanley
(Source: The Edge Financial Daily, 1 June 2009)
“China’s economy is on the mend fuelled largely by the country’s huge economic stimulus package. The turnaround is likely to begin this year and take full hold in 2010.” – World Bank on 6 April 2009 (Source: The Edge Malaysia, 20 April 2009)
“China’s economy will be the fastest in the world to recover. If you have the cash,
you can consider buying equities and properties.”
– Li Ka Shing, Asia’s second richest man (Source: Bloomberg, 26 March 2009)
'Caye xcaye,for every transaction of RM500 and above into Public China Ittikal Fund during the promotional period, Public Mutual will donate RM1 to Baitulmal, an authorised body to accept and manage funds for the benefits of the society' (Sources : HilmiHayat87,24 Julai 2000)
- Barton Biggs, former chief global strategist for Morgan Stanley
(Source: The Edge Financial Daily, 1 June 2009)
“China’s economy is on the mend fuelled largely by the country’s huge economic stimulus package. The turnaround is likely to begin this year and take full hold in 2010.” – World Bank on 6 April 2009 (Source: The Edge Malaysia, 20 April 2009)
“China’s economy will be the fastest in the world to recover. If you have the cash,
you can consider buying equities and properties.”
– Li Ka Shing, Asia’s second richest man (Source: Bloomberg, 26 March 2009)
'Caye xcaye,for every transaction of RM500 and above into Public China Ittikal Fund during the promotional period, Public Mutual will donate RM1 to Baitulmal, an authorised body to accept and manage funds for the benefits of the society' (Sources : HilmiHayat87,24 Julai 2000)
Why invest in Public China Ittikal Fund (PCIF)?
*
The Chinese economy is projected to grow by 6.5 percent in 2009 and 7.5 percent in 2010 sustained by the government’s US$586 billion stimulus package and accommodative monetary policy. Over the longer term, growth is expected to be supported by resilient domestic consumption which is propelled by rising income levels, urbanisation, and favourable demographics.
*
Hong Kong’s financial services hub benefits from the opening of China’s capital markets while Taiwan is expected to capitalise on China’s growth as a potential market and outsourcing hub for its electronics industry. In addition, the Taiwan government’s decision to allow Chinese institutions and corporations to invest directly in the Taiwan stock market effective 2 May 2009 is expected to improve business sentiment in Taiwan and enhance the island’s growth prospects over the longer-term.
*
PCIF has an attractive fund management fee of 1.6 percent per annum of the NAV.
HAYAT'Caye xcaye,for every transaction of RM500 and above into Public China Ittikal Fund during the promotional period, Public Mutual will donate RM1 to Baitulmal, an authorised body to accept and manage funds for the benefits of the society' (Sources : HilmiHayat87,24 Julai 2000)
The Chinese economy is projected to grow by 6.5 percent in 2009 and 7.5 percent in 2010 sustained by the government’s US$586 billion stimulus package and accommodative monetary policy. Over the longer term, growth is expected to be supported by resilient domestic consumption which is propelled by rising income levels, urbanisation, and favourable demographics.
*
Hong Kong’s financial services hub benefits from the opening of China’s capital markets while Taiwan is expected to capitalise on China’s growth as a potential market and outsourcing hub for its electronics industry. In addition, the Taiwan government’s decision to allow Chinese institutions and corporations to invest directly in the Taiwan stock market effective 2 May 2009 is expected to improve business sentiment in Taiwan and enhance the island’s growth prospects over the longer-term.
*
PCIF has an attractive fund management fee of 1.6 percent per annum of the NAV.
HAYAT'Caye xcaye,for every transaction of RM500 and above into Public China Ittikal Fund during the promotional period, Public Mutual will donate RM1 to Baitulmal, an authorised body to accept and manage funds for the benefits of the society' (Sources : HilmiHayat87,24 Julai 2000)
Thursday, July 23, 2009
Public Mutual Named “Best Malaysia Onshore Fund House” by AsianInvestor
Public Bank’s wholly-owned subsidiary, Public Mutual has won AsianInvestor’s “Best Malaysia Onshore Fund House” award for the second consecutive year. Public Mutual’s Chairman, Y. Bhg. Tan Sri Dato’ Sri Dr. Teh Hong Piow received the award from Ms Rebekka Kristin, Associate Publisher of AsianInvestor, during Public Mutual’s Annual Awards Night on 17 May 2009 at the Sunway Pyramid Convention Centre, Kuala Lumpur.
Public Mutual is Malaysia’s largest private unit trust company with 70 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 5 June 2009, the total net asset value of the funds managed by the company was RM29 billion.
Public Mutual is Malaysia’s largest private unit trust company with 70 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 5 June 2009, the total net asset value of the funds managed by the company was RM29 billion.
Public Mutual to launch fund-The Star,Tuesday June 30, 2009
KUALA LUMPUR: Public Natural Resources Equity Fund, to be launched by Public Mutual Bhd today, is expected to take advantage of the region’s natural resources sectors given the revived demand among fast-growing emerging economies like China, India, Brazil and Indonesia.
Demand in these countries was driven by rapid industrialisation, urbanisation and rising consumerism, said chairman Tan Sri Teh Hong Piow in a statement.
HAYAT Keadaan ekonomi bagi negara-negara seperti China,India,Brazil n Indonesia dijangkakan pulih lebih cepat n baik berbanding Amerika Syarikat..oleh sbb itu,dana-dana bagi negara ini dipromosikan sepanjang Jun 2009 sehingga Julai 2009.
Demand in these countries was driven by rapid industrialisation, urbanisation and rising consumerism, said chairman Tan Sri Teh Hong Piow in a statement.
HAYAT Keadaan ekonomi bagi negara-negara seperti China,India,Brazil n Indonesia dijangkakan pulih lebih cepat n baik berbanding Amerika Syarikat..oleh sbb itu,dana-dana bagi negara ini dipromosikan sepanjang Jun 2009 sehingga Julai 2009.
Tuesday, July 21, 2009
PUBLIC BANK ACHIEVEMENT...
Public Mutual swept 7 awards, including Best Overall Fund Group Award
ublic Bank’s wholly-owned subsidiary, Public Mutual emerged for the sixth consecutive year as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009 by winning 7 of the 24 awards, including the prestigious “Best Overall Group” award.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride that once again Public Mutual emerged as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009. “These awards reflect Public Mutual's commitment to do its utmost to give value to our investors,” he said. He dedicated these awards to Public Mutual’s board of directors, management, staff, agency force and the investors for their unwavering support and trust over the years.
Public Bank have topped the polls in most categories under FinanceAsia's "Asia's Best Managed Companies" country listings, which were released on its website yesterday.
Public Bank won top honours for the following categories - best managed company, best corporate governance, and best investor relations.
Their respective top chiefs - Tan Sri Dr Teh Hong Piow and Datuk Seri Nazir Razak - were also voted the top two best chief executive officers in the country.
Public Bank donates RM1.25m to University Tunku Abdul Rahman
Public Islamic Bond Fund Wins Failaka and Morningstar Awards
Public Bank’s wholly-owned subsidiary, Public Mutual won two prestigious awards recently. Its Public Islamic Bond Fund received the Best Malaysian Islamic Bond Fund Award for 5 years category at the Failaka Islamic Fund Awards 2008 as well as the award in the Malaysian Ringgit Islamic Bond Category at the Morningstar 2008 Fund Awards (Malaysia)
ublic Bank’s wholly-owned subsidiary, Public Mutual emerged for the sixth consecutive year as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009 by winning 7 of the 24 awards, including the prestigious “Best Overall Group” award.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride that once again Public Mutual emerged as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009. “These awards reflect Public Mutual's commitment to do its utmost to give value to our investors,” he said. He dedicated these awards to Public Mutual’s board of directors, management, staff, agency force and the investors for their unwavering support and trust over the years.
Public Bank have topped the polls in most categories under FinanceAsia's "Asia's Best Managed Companies" country listings, which were released on its website yesterday.
Public Bank won top honours for the following categories - best managed company, best corporate governance, and best investor relations.
Their respective top chiefs - Tan Sri Dr Teh Hong Piow and Datuk Seri Nazir Razak - were also voted the top two best chief executive officers in the country.
Public Bank donates RM1.25m to University Tunku Abdul Rahman
Public Islamic Bond Fund Wins Failaka and Morningstar Awards
Public Bank’s wholly-owned subsidiary, Public Mutual won two prestigious awards recently. Its Public Islamic Bond Fund received the Best Malaysian Islamic Bond Fund Award for 5 years category at the Failaka Islamic Fund Awards 2008 as well as the award in the Malaysian Ringgit Islamic Bond Category at the Morningstar 2008 Fund Awards (Malaysia)
Wednesday, April 29, 2009
Al-Quran Pencetus Manusia Berfikiran Kritis
Al-Quran merupakan sumber segala ilmu pengetahuan. betul ke?sape cakap?
Yang sebenarnye, dalam al-Quran tidak terdapat suatu hukum yang bersifat melumpuhkan akal manusia untuk memikirkan kandungn maknanya dan tiada sesuatu perkara pun yang merintangi akal untuk mencari pelbagai ilmu yang bersifat luas. so,terang2 la,
al-Furqan tidak melarang mereka mencari ilmu dan berfikir, asalkan masih dalam ruang lingkup kebenaran seperti kata ungkapan
‘buat apa sahaja selagi benar’,
bahkan al-Quran menggesa manusia berfikir dan mencari ilmu pengetahuan.
Berfikir adalah suatu perkara yang amat diperlukan bagi memahami semua bentuk peringatan, sebagaimana firman Allah SWT yang bermaksud:
Katakanlah (Wahai Muhammad): "Aku hanyalah mengajar dan menasihati kamu dengan satu perkara sahaja, iaitu: hendaklah kamu bersungguh-sungguh berusaha mencari kebenaran kerana Allah semata-mata, sama ada dengan cara berdua (dengan orang lain), atau seorang diri; kemudian hendaklah kamu berfikir sematang-matangnya (untuk mengetahui salah benarnya ajaranKu" (Surah Saba’: 46)
Antara ayat-ayat al-Quran yang berkisar tentang pemikiran kritis adalah:
1)
(Mengapa mereka yang kafir masih mengingkari akhirat) tidakkah mereka memerhatikan keadaan unta bagaimana ia diciptakan? (Surah al-Ghasiyah: 17)
2)
"Wahai orang-orang yang beriman! jika datang kepada kamu seorang fasik membawa sesuatu berita, maka selidikilah (untuk menentukan) kebenarannya, supaya kamu tidak menimpakan sesuatu kaum dengan perkara yang tidak diingini - Dengan sebab kejahilan kamu (mengenainya) - sehingga menjadikan kamu menyesali apa yang kamu telah lakukan". (Surah al-Hujurat: 6)
3)
"Dan jika engkau menurut kebanyakan orang yang ada di muka bumi, nescaya mereka akan menyesatkanmu dari jalan Allah; tiadalah yang mereka turut melainkan sangkaan semata-mata, dan mereka tidak lain hanyalah berdusta". (Surah al-An’am: 116)
4)
"Wahai orang-orang yang beriman, hendaklah kamu semua sentiasa menjadi orang-orang yang menegakkan keadilan kerana Allah, lagi menerangkan kebenaran; dan jangan sekali-kali kebencian kamu terhadap sesuatu kaum itu mendorong kamu kepada tidak melakukan keadilan. Hendaklah kamu berlaku adil (kepada sesiapa jua) kerana sikap adil itu lebih hampir kepada taqwa dan bertaqwalah kepada Allah, sesungguhnya Allah Maha Mengetahui dengan mendalam akan apa yang kamu lakukan". (Surah al-Ma’idah: 8)
5)
"Dan janganlah Engkau mengikut apa yang engkau tidak mempunyai pengetahuan mengenainya…" (Surah al-Isra’: 36)
Nak tahu lebih,link je kt atas tu..
HAYAT <span style="font-weight:bold;">Macam biase,anda akan kate anda tahu sume ni.tapi sejauh mane sikap ini diamalkan..kite boleh tengok sendiri tym exam,sepatutnye tap kali exam menjelang anda akan rase seronok..sebab ape,sebabnye anda boleh tengok banyak mane ilmu y anda pelajari n sejauh mane keberkata ilmu tersebut...sume ini boleh dilihat dari result y kite perolehi lepas ni..tapi,hal sebaliknya berlaku..exam yang ditiba dicaci,dimaki,dirungutkan..kadang2 lecturer dipersalahkan..n saf2 kat surau mulai surut as exam da abis...ish2,ni peringatan utk kite sume..kadang2 aq pun merungut gak..kalau2 leps ni kowg nampak aq merungut lagi,peringatla kan aq..
sebenarnye,banyak cntoh2 firman yang menyokong kenyataan kt atas ni,cume aq xmencari lagi..its a matter of time..:)
konklusi,
Sesiapa yang rajin mencari dan mengkaji sesuatu maklumat, pasti dia akan beroleh pengetahuan dan pengalaman baru..
Begitu juga bagi mereka-mereka yang malas menyelidiki dan meneliti kejadian-kejadian alam yang menjadi salah satu tanda kekuasaan dan kebesaran Allah SWT. Bukankah ilmu itu wajib dituntut oleh setiap insan yang bergelar Muslim?ni peringatan tuk aq sendiri n sape2 y berkaitan..so,lu pikir la sendiri..peace!!chow
Yang sebenarnye, dalam al-Quran tidak terdapat suatu hukum yang bersifat melumpuhkan akal manusia untuk memikirkan kandungn maknanya dan tiada sesuatu perkara pun yang merintangi akal untuk mencari pelbagai ilmu yang bersifat luas. so,terang2 la,
al-Furqan tidak melarang mereka mencari ilmu dan berfikir, asalkan masih dalam ruang lingkup kebenaran seperti kata ungkapan
‘buat apa sahaja selagi benar’,
bahkan al-Quran menggesa manusia berfikir dan mencari ilmu pengetahuan.
Berfikir adalah suatu perkara yang amat diperlukan bagi memahami semua bentuk peringatan, sebagaimana firman Allah SWT yang bermaksud:
Katakanlah (Wahai Muhammad): "Aku hanyalah mengajar dan menasihati kamu dengan satu perkara sahaja, iaitu: hendaklah kamu bersungguh-sungguh berusaha mencari kebenaran kerana Allah semata-mata, sama ada dengan cara berdua (dengan orang lain), atau seorang diri; kemudian hendaklah kamu berfikir sematang-matangnya (untuk mengetahui salah benarnya ajaranKu" (Surah Saba’: 46)
Antara ayat-ayat al-Quran yang berkisar tentang pemikiran kritis adalah:
1)
(Mengapa mereka yang kafir masih mengingkari akhirat) tidakkah mereka memerhatikan keadaan unta bagaimana ia diciptakan? (Surah al-Ghasiyah: 17)
2)
"Wahai orang-orang yang beriman! jika datang kepada kamu seorang fasik membawa sesuatu berita, maka selidikilah (untuk menentukan) kebenarannya, supaya kamu tidak menimpakan sesuatu kaum dengan perkara yang tidak diingini - Dengan sebab kejahilan kamu (mengenainya) - sehingga menjadikan kamu menyesali apa yang kamu telah lakukan". (Surah al-Hujurat: 6)
3)
"Dan jika engkau menurut kebanyakan orang yang ada di muka bumi, nescaya mereka akan menyesatkanmu dari jalan Allah; tiadalah yang mereka turut melainkan sangkaan semata-mata, dan mereka tidak lain hanyalah berdusta". (Surah al-An’am: 116)
4)
"Wahai orang-orang yang beriman, hendaklah kamu semua sentiasa menjadi orang-orang yang menegakkan keadilan kerana Allah, lagi menerangkan kebenaran; dan jangan sekali-kali kebencian kamu terhadap sesuatu kaum itu mendorong kamu kepada tidak melakukan keadilan. Hendaklah kamu berlaku adil (kepada sesiapa jua) kerana sikap adil itu lebih hampir kepada taqwa dan bertaqwalah kepada Allah, sesungguhnya Allah Maha Mengetahui dengan mendalam akan apa yang kamu lakukan". (Surah al-Ma’idah: 8)
5)
"Dan janganlah Engkau mengikut apa yang engkau tidak mempunyai pengetahuan mengenainya…" (Surah al-Isra’: 36)
Nak tahu lebih,link je kt atas tu..
HAYAT <span style="font-weight:bold;">Macam biase,anda akan kate anda tahu sume ni.tapi sejauh mane sikap ini diamalkan..kite boleh tengok sendiri tym exam,sepatutnye tap kali exam menjelang anda akan rase seronok..sebab ape,sebabnye anda boleh tengok banyak mane ilmu y anda pelajari n sejauh mane keberkata ilmu tersebut...sume ini boleh dilihat dari result y kite perolehi lepas ni..tapi,hal sebaliknya berlaku..exam yang ditiba dicaci,dimaki,dirungutkan..kadang2 lecturer dipersalahkan..n saf2 kat surau mulai surut as exam da abis...ish2,ni peringatan utk kite sume..kadang2 aq pun merungut gak..kalau2 leps ni kowg nampak aq merungut lagi,peringatla kan aq..
sebenarnye,banyak cntoh2 firman yang menyokong kenyataan kt atas ni,cume aq xmencari lagi..its a matter of time..:)
konklusi,
Sesiapa yang rajin mencari dan mengkaji sesuatu maklumat, pasti dia akan beroleh pengetahuan dan pengalaman baru..
Begitu juga bagi mereka-mereka yang malas menyelidiki dan meneliti kejadian-kejadian alam yang menjadi salah satu tanda kekuasaan dan kebesaran Allah SWT. Bukankah ilmu itu wajib dituntut oleh setiap insan yang bergelar Muslim?ni peringatan tuk aq sendiri n sape2 y berkaitan..so,lu pikir la sendiri..peace!!chow
Friday, April 24, 2009
footnotes..
23/4/2009 Public Ittikal Fund PITTIKAL 0.7730 0.0081 1.06%
23/4/2009 Public Islamic Dividend Fund PIDF 0.2599 0.0009 0.35%
23/4/2009 Public Islamic Dividend Fund PIDF 0.2599 0.0009 0.35%
Wednesday, April 15, 2009
PUBLIC BANK PLANS RM5B CAPITAL-RAISING EXERCISE
Public Bank Bhd (PBB) (1295) has proposed to raise RM5 billion for working capital, general banking and other corporate purposes of the group.
In a statement to Bursa Malaysia yesterday, PBB said it has appointed Public Investment Bank Bhd as the principal adviser/lead arranger for the capitals-raising exercise.
It has also appointed Public Investment Bank Bhd, CIMB Investment Bank Bhd and RHB Investment Bank Bhd as the joint lead managers.
The banking group said it has received Bank Negara approval for the proposed issuance of Capital Securities which are stapled to Subordinated Notes under the programme, and to classify the Capital Securities as Tier 1 capital for the computation of the risk-weighted capital ratio of PBB and the PBB Group.
In a statement to Bursa Malaysia yesterday, PBB said it has appointed Public Investment Bank Bhd as the principal adviser/lead arranger for the capitals-raising exercise.
It has also appointed Public Investment Bank Bhd, CIMB Investment Bank Bhd and RHB Investment Bank Bhd as the joint lead managers.
The banking group said it has received Bank Negara approval for the proposed issuance of Capital Securities which are stapled to Subordinated Notes under the programme, and to classify the Capital Securities as Tier 1 capital for the computation of the risk-weighted capital ratio of PBB and the PBB Group.
PUBLIC BANK TO MAINTAIN STRONG DIVIDEND
Public Bank Bhd (1295) is optimistic of solid earnings growth this year despite a tough economy and has pledged to maintain a high dividend payment.
The largest lender in the country based on market value, and among the most profitable in the region, believes it can maintain its strong earnings momentum and last year's record profit.
"We expect 2009 to be extremely challenging. However, the past few years of building size and market share coupled with the strengthened asset quality will keep us resilient in the face of challenges," co-chairman Tan Sri Thong Yaw Hong told the 3,600 share-holders who attended an annual general meeting in Kuala Lumpur yesterday.
Public Bank's net profit increased 22 per cent to a record RM2.58 billion last year as it earned more from loans and other non-interest income.
Together with a planned final dividend which involved cash and treasury shares, the bank declared an equivalent of 89.8 sen gross dividend last year.
"Shareholders can expect the liberal dividend payout to continue in future, barring unforeseen circumstances," chairman Tan Sri Dr Teh Hong Piow promised.
Still, the prospect of a deeper recession worldwide and a worsening domestic economy could make it more challenging to meet its target of 15 per cent loan growth this year, chief operating officer Leong Kwok Nyem told reporters later.
The latest 50 basis points cut in the Overnight Policy Rate (OPR) will trim two to three basis points off its net interest margin, but is not expected to have a significant impact on its profits, Leong added.
Public Bank's core net interest margin, or the difference between what it earned on loans and paid for funds, stands at 2.4 per cent currently.
Leong said that the lower Statutory Reserve Requirement, or zero-interest deposit placed with Bank Negara Malaysia, helps to offset the impact of margin squeeze.
Falling deposit rates also helps, while its large portfolio of car loans - which locks in fixed rates for years - gives the lender an edge.
HAYAT DIVIDEN ialah jumlah keuntungan atau duit untung yang kite dapat setiap tahun dari mane2 bank kt dunia ni.Tiap bank berikan pada jumlah yang berbeza,bergantung pada kemampuan bank tu tuk wat/generate duit..
The largest lender in the country based on market value, and among the most profitable in the region, believes it can maintain its strong earnings momentum and last year's record profit.
"We expect 2009 to be extremely challenging. However, the past few years of building size and market share coupled with the strengthened asset quality will keep us resilient in the face of challenges," co-chairman Tan Sri Thong Yaw Hong told the 3,600 share-holders who attended an annual general meeting in Kuala Lumpur yesterday.
Public Bank's net profit increased 22 per cent to a record RM2.58 billion last year as it earned more from loans and other non-interest income.
Together with a planned final dividend which involved cash and treasury shares, the bank declared an equivalent of 89.8 sen gross dividend last year.
"Shareholders can expect the liberal dividend payout to continue in future, barring unforeseen circumstances," chairman Tan Sri Dr Teh Hong Piow promised.
Still, the prospect of a deeper recession worldwide and a worsening domestic economy could make it more challenging to meet its target of 15 per cent loan growth this year, chief operating officer Leong Kwok Nyem told reporters later.
The latest 50 basis points cut in the Overnight Policy Rate (OPR) will trim two to three basis points off its net interest margin, but is not expected to have a significant impact on its profits, Leong added.
Public Bank's core net interest margin, or the difference between what it earned on loans and paid for funds, stands at 2.4 per cent currently.
Leong said that the lower Statutory Reserve Requirement, or zero-interest deposit placed with Bank Negara Malaysia, helps to offset the impact of margin squeeze.
Falling deposit rates also helps, while its large portfolio of car loans - which locks in fixed rates for years - gives the lender an edge.
HAYAT DIVIDEN ialah jumlah keuntungan atau duit untung yang kite dapat setiap tahun dari mane2 bank kt dunia ni.Tiap bank berikan pada jumlah yang berbeza,bergantung pada kemampuan bank tu tuk wat/generate duit..
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