新加坡哪个银行的定期利率最高以吸纳马币存款？

cloudwan0

没来racer 发表于 10-8-2017 04:36 PM
拿来piak 冇甘嫐

@啊不然呢 @飞刀无情

应该还不够死去的蛇仔piak，一个月

没来racer

cloudwan0 发表于 10-8-2017 04:51 PM
应该还不够死去的蛇仔piak，一个月

死去蛇仔？

我懂赌神Q z

啊不然呢

没来racer 发表于 10-8-2017 08:36 AM
拿来piak 冇甘嫐

@啊不然呢 @飞刀无情

不然赌场怎么越装修越堂皇


各个以为自己素赌神

啊不然呢

没来racer 发表于 10-8-2017 08:54 AM
死去蛇仔？

我懂赌神Q z

啊Q素传奇人物来的

没来racer

啊不然呢 发表于 10-8-2017 05:25 PM
啊Q素传奇人物来的

你都没得来

没来racer

啊不然呢 发表于 10-8-2017 05:24 PM
不然赌场怎么越装修越堂皇


各个以为自己素赌神

难怪每个都油头外套

飞刀无情

没来racer 发表于 10-8-2017 04:36 PM
拿来piak 冇甘嫐

@啊不然呢 @飞刀无情

piak够了就赌

没来racer

飞刀无情 发表于 11-8-2017 04:01 PM
piak够了就赌

带进去piak

飞刀无情

没来racer 发表于 11-8-2017 04:16 PM
带进去piak

还没插就给人拖出去料

aidj

Maybank loan-to-deposit ratio at comfortable level, below 100%


Posted on 13 August 2017 - 05:15pm
Last updated on 13 August 2017 - 05:27pm


PETALING JAYA: Malayan Banking Bhd's (Maybank) group loan-to-deposit ratio (LDR) is at a comfortable level of 94.7% as at end March 2017 and not 101% as stated in a foreign wire report released last Friday.

Maybank Group CFO Datuk Amirul Feisal Wan Zahir said, the news article and the Malaysian banking analyst research report it quoted, did not give a true picture of Maybank's careful management of its assets and liabilities.

"Maybank runs its business at the highest level of prudence and transparency and we have clearly disclosed in our quarterly earnings presentations, the levels of both our LDR and liquidity coverage ratio (LCR)," he said.

Feisal said that for Maybank's Malaysian operations, its LDR as at March 2017 was 90.6%, and this has remained fairly stable over the last year from the 90.2% in March 2016. It was in fact lower quarter-on-quarter from the 91.3% level recorded in December 2016, arising from deposit growth which outpaced loan growth. Deposits growth was also supported by low-cost CASA (current account & savings account) growth. The group, he added, has been actively focusing its attention on increasing its CASA component, and where necessary, moving away from the higher funding cost segments, such as fixed deposits.

Maybank's Singapore operations, meanwhile, had an LDR of 89.5% as at March 2017, while Maybank Indonesia's LDR at the bank level stood at 88.4%.

"To state that our LDR ratio is approaching 101% is wrong and can lead to misunderstanding among our stakeholders, including our customers, shareholders and regulators," added Dato' Feisal.

He said that the research report which stated Maybank's LDR as being 99.2%, had excluded the Islamic investment accounts (IAs) from its computation of Maybank Group's LDR, hence resulting in it reporting a higher LDR for Maybank.

"This is a misrepresentation of LDR computations as IA should be included in the LDR computation for Maybank Group and Maybank Malaysia as provided for under Malaysian banking guidelines. If IA is excluded from the LDR computation, then the associated loan amount should also be excluded in the computation as investment accounts are meant to fund loans," he said.

IA is a banking product offered by Maybank Islamic Bhd, which in essence, is similar to traditional deposits with CASA and time deposit features, and used to fund Islamic assets. The IAs were reclassified from Mudarabah deposits under the old guidelines on Islamic banking to Mudarabah Investment Accounts (IAs) starting from July 2015. This is in line with Maybank Group's commitment in complying with, and embracing the Islamic Financial Services Act (IFSA).

Feisal also clarified that the group's liquidity coverage ratio, which measures how sufficiently banking institutions hold high-quality liquid assets to withstand an acute liquidity stress scenario over a 30-day horizon, stood at 134% as at end March 2017. This was well above the Bank Negara Malaysia requirement of 80% for the year 2017.

On the issue of some Malaysian banks' (including Maybank's) net interest spread being less than two percent as also stated in the Bloomberg article, Feisal said that Maybank's net interest margin (NIM) stood at a healthy level at 2.43% as at 1Q FY2017. "We have actually seen our NIM expand 9 bps from 2.34% a year ago arising from our disciplined loan pricing and ability to reduce our cost of funding by focusing on CASA growth."

With regard to the statement on Malaysian banks' growing reliance on foreign currency debt issuances, Feisal clarified that Maybank Group's total borrowings, including subordinated debt and capital instruments was 7.6% of total assets. As part of Maybank Group's prudent risk management approach to avoid foreign currency exposure mismatch for its assets and liabilities, Maybank only raises foreign currency borrowings to fund client requirements in that particular currency.

On the concern raised in the news report about lending to riskier clients, Maybank Group has always applied a disciplined and prudent credit management framework in accordance with our risk appetite. Regular oversight via committees that encompasses senior executives and board members is applied at all times to ensure that asset quality is managed appropriately.


http://www.enanyang.my/news/20170814/马银行澄清br-集团贷存比例为94-7/

aidj

推出不同配套 银行竞相调整以高利率吸引存户
http://bit.ly/2xCPCny


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近期中国规模9万亿美元的债市大跌，说明中国的金融体系越来越错综复杂，政府整顿的难度越来越大。 https://t.co/mDrjUYHCUS

中国杠杆率问题怎么看、怎么办、怎么干？
http://m.ftchinese.com/story/001074904?full=y7

aidj

从“存款去哪了” 看跌跌难休的债市 | FT中文网
http://m.ftchinese.com/story/001075066?full=y

aidj

Moody's expects decline in property prices due to supply overhang
PROPERTY
Monday, 27 Nov 2017

11:49 AM MYT



KUALA LUMPUR: Moody's Investors Service expects a material decline in property prices in Malaysia in the event of a protracted period of supply overhang as market valuation adjusts.

In its credit outlook issued on Monday, it pointed out that in such a scenario, the quality of housing loans with high loan-to-value (LTV) ratios are most at risk.

“We understand from our rated banks in Malaysia that 20%-30% of mortgages booked each year have LTV ratios of 90% or higher at the time of origination.

“Furthermore, we believe that suspending new property development will not correct the oversupply situation over the next five years, when property projects now in development enter the market,” it said.

To recap, on Nov 20, Second Finance Minister Johari Abdul Ghani was quoted saying the government had since Nov 1, frozen approvals of luxury property developments indefinitely and temporarily halted the development of shopping malls, commercial complexes and condominiums priced above RM1mil to address oversupply in the property market.

The following day, Works Minister Datuk Fadillah Yusof said the freeze would be applied on a case-by-case basis.

The freeze followed Bank Negara Malaysia’s report earlier this month that suggests the oversupply in Malaysia’s property market is worsening.

Moody's noted the volume of Malaysia’s unsold and vacant properties has risen substantially over the past three years and is likely to increase, raising the risk of a material decline in property prices that would diminish bank asset quality.

“These developments are credit negative for Malaysian banks,” it said.

BNM had pointed out earlier the banking system’s total loan exposures to property segments with acute oversupply (that is, commercial property and high-end high-rise residential) account for 8% of total bank lending, and the impaired loan ratios for the segments are low at 1.1%-1.2%.

Moody's pointed out that suspending new property development would not correct the oversupply situation over the next five years, when property projects now in development enter the market.

Much of the new supply is in Malaysia’s key states, where supply-demand imbalances in various segments of the property market, including residential housing, commercial office and retail shopping complex, have occurred since 2015.

These states include Kuala Lumpur, Penang and Johor, which the central bank has warned will likely have the largest property market imbalances in the country.

Johor has the largest share of unsold residential units in Malaysia (27%), followed by Selangor (21%), Kuala Lumpur (14%) and Penang (8%).

According to BNM, the large volume of unsold properties reflects that the majority of newly completed properties were priced above RM250,000 (the barometer for affordable housing in Malaysia) and do not cater to households’ demand for affordable new housing.

In the commercial office segment, vacancy rates have risen steadily since 2015.

BNM estimates that office vacancy rates could rise to 32% by 2021, from 24% in first-quarter 2017, considering the large development projects such as Tun Razak Exchange and Bukit Bintang City Centre in Kuala Lumpur that are underway.

In the retail shopping complex segment, total retail space per capita has increased sharply in key Malaysian states over the years, and now surpasses regional markets such as Hong Kong and Shanghai.

The large incoming supply of retail space will exacerbate the oversupply situation and raise the vacancy rates across Kuala Lumpur, Penang and Johor from current levels of 13%-30%.

“Other than the recent government measure targeted to limit new property developments, it remains unclear what additional measures the Malaysian authorities would take to ensure the existing excess supply in various property segments and new supply entering the market can be effectively deployed and utilised.

“In our view, the increasing oversupply and the prospects of a material property price correction will continue to build as new supply enters the market and poses a risk to Malaysian banks’ asset quality,” it said.

TAGS / KEYWORDS:
Property , Banking


Read more at https://www.thestar.com.my/busin ... o-supply-overhang/#