【Public Bank 交流专区 2】又得奖了

Mr.Business

原帖由 无花 于 23-11-2007 07:42 PM 发表
大众银行I 的帖太长了,所以开大众银行II.

链接 大众银行I

恭喜【Public Bank 交流专区 2】成立，请继续热烈讨论！

ThermoFisher

谢谢无花兄和大众兄的详细解说

我还有一个问题，今年公布的预算案不是说明年的股息计算法已经改变了吗？听说股息会自动扣除27％，我们已经不能讨回被扣留的27％股息了？（可能我误解了预算案的内容）

K-T

原帖由 publicpang 于 3-12-2007 04:05 PM 发表
27%可以是可以拿回的...INCOME TAX FORM记得要填...

过去7年之内的被扣股息都可以拿回...

记得保留ORIGINAL VOUCHER...可以的话...SCAN 一份COPY当BACKUP..

是不是年薪超过某个数目就不能追回的? 好像听说收入低的或无业人士才可以追.

publicpang

不好意思...我还没拿过..还在追逃着....

但我的亲戚...老师..有拿过...

无花

股息是收入之一,所以把股息毛额(Gross Dividend)加上你的工资再減掉可扣税的开消,就是你的法定收入.

如果法定收入超过一定的数额,就要缴税.Dividend Voucher上的Income Tax是你预先缴交的税.
如果你须缴的税少过Voucher上的income tax,差额政府就会寄回给你.

如果你须缴的税多过Voucher上的income tax,你只须缴付差额给政府就可.

K-T

那么是不是代表如果我们的TAX少过２７％，比如说２５％，那就可以CLAIM回２％的差额？

无花

如果你要缴的税是100元,你的tax Voucher 上的income tax 是120元,你就可是以要回20元.

我是心心

大眾銀行捐免息貸學金
拉曼大學學院共獲350萬

（吉隆坡4日訊）拉曼大學和拉曼學院今日分獲大眾銀行，捐贈200萬令吉及150萬令吉，成了2間大專學府有史以來，最大數額的免息學生貸款基金。

這兩項學生貸款基金，分別命名為“拉曼大學─丹斯里鄭鴻標博士學生貸款基金”，及“拉曼學院─丹斯里鄭鴻標博士學生貸款基金”。

馬華總會長拿督斯里黃家定說，兩項學生貸款基金都是免息貸款，供成績優良但家境清貧血學生申請，以完成學業。

他說，自拉曼學院在1979年，提供學生貸款基金以來，截至今日，經有850萬令吉貸學金總和，借出1600萬令吉，造福逾一萬學生。

“至于拉曼大學，貸學金總額是510萬令吉，不包括今天的200萬令吉，受惠學生約95人。”

黃家定今午見證大眾議院銀行主席丹斯里鄭鴻標，移交350萬令吉給拉曼大學和拉曼學院時，致詞時這么說。

與會者包括馬華副總會長拿督斯里馮鎮安、拿督斯里蔡細歷醫生、總秘書拿督黃家泉、拉曼大學校長丹斯里黃麗綏、拉曼學院院長來娣、大眾銀行聯合董事主席丹斯里湯耀鸿、董事經理拿督斯里鄭亞歷，以及執行董事拿督李光南等人。

黃家定指出，大眾銀行捐款義舉，關心教育精神，值得敬佩，這兩項學生貸款基金，也是有史以來最大數目，相信可協助更多學生。

他說，目前學生貸款來源，除了拉曼大學和學院設立各種貸學基金，也包括國家高等教育基金。

“當然，和免息貸學金比較，國家高等教育基金還是有徵收一定費用。”

黃氏指出，據拉曼學院與大學貸學金攤還率，接近100%，並沒借了不還問題發生，這種拉曼精神值得學習。

履行企業社會責任

大眾銀行董事經理拿督斯里鄭亞歷說，設立貸學金是大眾銀行履行企業社會責任計劃之一。

“它也是為了支持馬華之前推行的終身學習運動，通過教育，提升馬來西亞社會經濟地位。”

鄭亞歷說，大眾銀行希望通過設立這兩項貸學金，可以一再循環造福更多有需要的清貧子弟。

我是心心

大众银行捐350万元 充拉曼免息贷学金 2007/12/04 18:02:32
●南洋商报

（吉隆坡4日讯）大众银行今天捐献总额350万令吉款项给拉曼大学及拉曼学院，分别在这两所大专院校设立两项免息贷学基金。

这两项免息贷学基金以大众银行创办人兼主席丹斯里郑鸿标博士为名，即拉曼大学－丹斯里拿督斯里郑鸿标博士贷学基金及拉曼学院－丹斯里拿督斯里郑鸿标博士贷学基金。

拉曼大学及拉曼学院分别获得200万令吉及150万令吉的捐款。

这也是拉曼大学及拉曼学院至今所收到的最大笔数额成立贷学基金的款项。

马华总会长拿督斯里黄家定今日在马华总部见证郑鸿标将捐款移交给拉曼大学校长丹斯里黄丽绥博士及拉曼学院院长容郲娣。

无学生拖欠贷学金

黄家定在致词时感谢大众银行的捐献。他说，这两项免息贷学基金将协助拉曼大学及拉曼学院的清贫子弟顺利完成学业。

他说，拉曼学院成立至今38年，从1979年开始就已经成立贷学金资助家境清贫的学生完成学业。

他说，该学院以850万令吉的资产成立数项基金，至今已经有1万名学生从中受惠。

借贷总额约1千600万令吉。

他指出，借贷给学生的贷学金是循环借贷，受惠的学生都很顺利的偿还贷款，并没有拖欠。

他说，拉曼大学发出的免息贷学金也很顺利的收回贷款。在过去数年，有95名拉曼大学的学生在该大学属下的各项贷学基金受惠。

黄家定说，在大众银行捐献200万令吉给拉曼大学之前，该大学共有好几项总额为510万令吉的贷学基金。

他说，随着大众银行捐献350万令吉给拉曼大学及拉曼学院后，马华有信心可以把这两所大众院校办得更好，而且将有更多学生受惠。

他也说，这两所院校的学生除了可以申请免息的贷学金，也有很多学生申请国家高等教育基金。后者也是学生申请贷款的重要管道。

郑亚历：助清贫大专生完成学业 2007/12/04 18:02:32
●南洋商报

大众银行董事经理拿督斯里郑亚历说，这两项贷学基金的宗旨为提供财务援助予贫苦学生，以让他们顺利完成大专教育。

他说，这也显示大众银行以最实际的方式履行它的企业社会责任。

以郑鸿标之名成立这两项贷学基金是为了表扬他对大众银行集团的卓越领导及对社会作出重大的贡献。

多名大众银行高层出席这项仪式，包括联合董事主席丹斯里汤耀鸿、执行董事拿督李光南等。

马华中央领袖也出席见证这项深具意义的活动，包括副总会长拿督斯里冯镇安及拿督斯里蔡细历医生、总秘书拿督黄家泉、组织秘书拿督韩春锦、马青总团长拿督廖中莱及妇女组署理主席拿汀巴杜卡周美芬。

ThermoFisher

取之社会，用之社会，大众银行为华资企业树立了一个好榜样 ，但350万好象少了点。。。


相信拉曼生应该不会象很多无良的大专生那般无耻，有借没还，搞到基金无以为续吧。。。

chon

无花大大，记得上次你说过，大众的第４季财报，
通常会宣布派终期股息和特别股息，
不过派特别股息要通过股东大会，对吗？

不过我查过它０６年第４季的财报出的时候，
是同一时间宣布派终期股息加特别股息的，
好像没有通过股东大会就通过了，
小弟有一事不明，是不是今年一定要通过股东大会，
才能够宣布派特别股息？

mjchua

1295	PBBANK	50,000	487,500.00	03/07/2007	9.750
1295	PBBANK	40,000	393,200.00	10/07/2007	9.830
1295	PBBANK	78	694.20	17/07/2007	8.900
1295	PBBANK	37	344.1	19/07/2007	9.300
1295	PBBANK	13,000	131,300.00	20/07/2007	10.100
1295	PBBANK	5,000	49,500.00	30/07/2007	9.900
1295	PBBANK	20,000	178,000.00	03/08/2007	8.900
1295	PBBANK	300,000	2,697,000.00	16/08/2007	8.990
1295	PBBANK	13,000	102,700.00	20/08/2007	7.900
1295	PBBANK	20,000	176,000.00	23/08/2007	8.800
1295	PBBANK	20,000	176,000.00	24/08/2007	8.800
1295	PBBANK	13,000	109,200.00	27/08/2007	8.400
1295	PBBANK	12,000	100,800.00	04/09/2007	8.400
1295	PBBANK	28	266	12/09/2007	9.500
1295	PBBANK	2,000	19,000.00	18/09/2007	9.500
1295	PBBANK	6,000,000	62,400,000.00	22/10/2007	10.400
1295	PBBANK	1,750,000	18,375,000.00	23/10/2007	10.500
1295	PBBANK	330,000	3,465,000.00	25/10/2007	10.500
1295	PBBANK	20,000	213,600.00	26/10/2007	10.680
1295	PBBANK	890,000	9,790,000.00	29/10/2007	11.000
1295	PBBANK	185,000	2,023,250.00	30/10/2007	10.936
1295	PBBANK	220,000	2,402,400.00	31/10/2007	10.920
1295	PBBANK	32,000	343,320.00	02/11/2007	10.729
1295	PBBANK	21,000	200,550.00	04/12/2007	9.550
1295F	PBBANK-O1	179,400	1,632,540.00	03/07/2007	9.100
1295F	PBBANK-O1	2,025,000	20,452,500.00	10/07/2007	10.100

无花

"For the financial year ended 31 December 2006, the Directors have recommended a proposed final dividend of 30%, less 27% tax and a special dividend of 10%, less 27% tax, representing a total of 29.2 sen net per share."

这段句子是从大众在22/01/07给交易所的文告中摘录下来的.
内容是建议派发终期和特别股息.

这项建议要在股东大会上寻求同意,详情请参阅大众2007年的股东大会议程中的第二项议程.

ThermoFisher

无花兄，是不是所有上市公司无论是派发股息，特别股息，红股，股票分拆，资本回退等等活动都需要经过股东大会的同意和SECURITY COMMITTEE（SC）的批准呢？

ThermoFisher

大資股看俏‧馬股可續加碼

大馬財經 財經焦點  2007-12-05 10:31

（吉隆坡訊）雖然外圍利空肆虐，但是分析員總結馬股出乎意料強勁的第3季財報後，依然看好馬股展望；除了亞歐美研究將2008年綜合指數目標調高至1480點外，聯昌研究也建議投資者繼續加碼馬股。

企業全年成長預測調高至29%

聯昌研究指出，第3季企業財報表現超強，促使它將2007年企業淨利成長預測從20%調至29%。隨著看好大資本股的業績展望，他們進一步將預測上修至31%。

亞歐美研究指出，2007年企業獲利成長預測雖從21%調高至28%，但2008年卻由15%下修至14%，2009年更料收窄至7%。

“2007年預測調高歸因於種植、博彩、汽車等領域的評估調整。”

分析員說，儘管上述預測已屬不低水平，但是相信在大眾銀行（PBBANK，1295）、豐隆銀行（HLBANK，5819）、馬電訊（TM，4863）、雲頂（GENTING，3182）與名勝世界（RESORTS，4715）等大資本股的盈利帶動下，整體獲利展望更為樂觀。

股本回酬15.5%
恢復金融風暴前水平

“2007年的盈利強勁成長相當顯著，寫下亞洲金融風暴以來的新高，將2007年股本回酬推至15.5%，恢復風暴前的水平。”

不過，綜指連漲多天，昨日更激增22.36點至歷史收市新高點後，今日（週二，4日）面對調整，下滑3.53點至1415.81點掛收。

亞歐美研究認為全國大選、擴張式財政策略、外國投資項目增加等，料推動綜指繼續攀高。

“我們以2009年15.5倍本益比目標為準，將綜指2008年目標從1460點調高至1480點。”

它強調，儘管馬股缺少帶動因素與外圍利空籠罩，綜指走勢展望轉趨謹慎，但是美國祭出多項策略減輕次級房貸的衝擊，相信有助於捍衛股市近期表現。

聯昌研究說，受強穩基本面影響，綜指逼近歷史新高，而且企業獲利持續成長的趨勢可望延續，因此維持“加碼”建議。

“我們將2007年與2008年綜指目標維持在1440點與1700點。明年的1700點目標是依據17至18倍本益比為準，符合亞洲風暴後的平均水平。”

星洲日報／財經．2007.12.05

ThermoFisher

Thursday October 18, 2007


Analysts upgrade price target for Public Bank

By EILEEN HEE

PETALING JAYA: Analysts have upgraded their target price for Public Bank Bhd in view of strong earnings registered in the third quarter.

For the nine months ended Sept 30, Public Bank posted a 20.5% growth in net profit to RM1.54bil from RM1.28bil a year earlier. Its revenue rose 26.4% to RM6.98bil from RM5.53bil.

OSK Investment Bank in a report said: “We upgrade our target to RM11.40 on the back of stronger fundamentals with possible earnings upgrade.

“Annual net interest income of RM3.16bil was in line with our estimate of RM3.22bil, or at an annual growth of 10.2%, backed by predominantly respectable growth in loans.”  

It said loans drivers were mainly household and domestic/commercial entities that grew 15.4% and 22.0% respectively and, that collectively, they accounted for 95.2% of total loans.

OSK rates Public Bank a “buy” and expects the bank's non-interest income segment to contribute more to total income.

“We expect non-interest income to contribute more with the bank's recent venture into Cambodia's general insurance business via a 55% stake in a newly set up insurance company, CampuBank Lonpac Insurance Plc, together with LPI Capital Bhd,” it said.

For its third quarter, the bank registered higher non-interest income accounting for 26.9% of total income.  

Aseambankers in its update report said: “We continue to like Public Bank for its strong operational growth, efficiently-run business, good asset quality and returns on equity that are superior to its peers.”

It rates the bank a “buy”, with a revised target price of RM12 and expects the bank to benefit from a reduction in corporate tax rate.  

“The upward adjustment of our target price follows our raised dividend forecasts, while net dividends beyond 2008 would receive a boost from a reduction in corporate tax rate.  

  
“We have also raised our overall loans growth assumption for 2007 to 17% from 15%, and tweaked our loan-loss provisioning lower, expecting continued recoveries in the fourth quarter,” said the report.

MIMB Investment Bank, which maintains a “buy” on the company, said it expected the bank's exposure to the China and Hong Kong markets to bolster its earnings.

ThermoFisher

Wednesday October 17, 2007


Public Bank third quarter profit jumps 25%

KUALA LUMPUR: Public Bank Bhd's third-quarter profit jumped 25% as contribution from overseas operations and the performance of its mutual funds grew strongly.

The banking group, which also saw strong growth in net interest income, is projecting to maintain its earnings momentum in its final quarter.

“The group will also continue to expand its overseas operations,'' Public Bank chairman Tan Sri Teh Hong Piow said in a statement yesterday.

  
Tan Sri Teh Hong Piow
“The group targets to increase its fee-based activities, particularly in fund management, bancassurance and other wealth management services, by launching new products to meet the diverse investment needs of the group's customers,'' he said.

Public Bank posted a net profit of RM543.6mil, or 16.21 sen a share, for its third quarter ended Sept 30, compared with RM436.3mil, or 13.16 sen a share, in the previous corresponding quarter.

Revenue rose 15.4% to RM2.41bil against RM2.09bil previously while pre-tax profit improved 27.7% to RM774.4mil from RM606.3mil.

For the nine months ended Sept 30, Public Bank posted a 20.5% growth in net profit to RM1.54bil, or 46.02 sen a share, from RM1.28bil, or 38.74 sen a share, a year earlier.

Revenue rose 26.4% to RM6.98bil from RM5.53bil while pre-tax profit increased 23.5% to RM2.18bil from RM1.77bil.

Public Bank said total loans expanded by an annualised rate of 19%, higher than the 17% experienced in the first half this year.

The cost-to-income ratio fell to 32.2% in the third quarter compared with 34% in second, while net non-performing loans was 1.4% at the end of the third quarter. Loan loss coverage ratio was 112%.

Public Mutual Bhd's total assets under management expanded by 52% from RM16.2bil at end-2006 to RM24.54bil at the end of September. Of that amount, 77% were equity-linked funds.

Public Bank said its market share of the private unit trust industry was 36.4%.

  
Public Mutual's unit trust management fees and income from the sale of trust units was RM196mil and RM133mil respectively, which were 57% and 214% higher compared with the previous corresponding period.

In the nine months to Sept 30, trust unit sales reached a record RM8.39bil, three times more than the RM2.77bil recorded in the previous corresponding period in 2006 and more than double total sales for the whole of last year.

Loans given by Public Bank remained focused on small and medium-scale enterprises, residential properties and passenger vehicles as these three sectors accounted for 70% of the group's total loan portfolio.

The bank's overseas operations continued to expand rapidly as Public Bank (Hong Kong) Ltd saw loans and deposits grow by 47% and 38% respectively.

The strong loan and deposits growth were backed by a major expansion in the branch network and brand name. Public Bank HK now has 24 branches, an increase of 11 from the 13 branches its acquired in May last year.

In Cambodia, Cambodian Public Bank Ltd registered loan growth of 68% in the nine months to Sept 30, and opened three more branches to bring the total to eight. Public Bank also commenced its insurance operations in Cambodia during the quarter.

In the fourth quarter, Public Bank intends to open five more branches in Hong Kong, one in Shenzhen (China), two in Cambodia, two in Laos and one in Vietnam.

[ 本帖最后由 ThermoFisher 于 5-12-2007 02:04 PM 编辑 ]

无花

原帖由 ThermoFisher 于 5-12-2007 12:59 PM 发表
无花兄，是不是所有上市公司无论是派发股息，特别股息，红股，股票分拆，资本回退等等活动都需要经过股东大会的同意和SECURITY COMMITTEE（SC）的批准呢？

上市公司有很多事情的确是须要开股东大会表决的.但我没有上过董事课程,所以不知道有那些是可以不用开会表决的

和资本相关的,当然要SC批准

无花

投身金融業逾55年
鄭鴻標永不言休
（吉隆坡5日訊）儘管年事已高，且頻頻面對有關接班人提問，但大眾銀行（PBBANK，1295，主板金融）創辦人兼主席丹斯里鄭鴻標卻不言休！
他今日出席大馬管理學院（MIM）舉辦的全國管理研討會后，以簡短一句“我沒有想過”，直接回應媒體關于有否想過退休的疑問。

投身金融業超過55年，鄭鴻標不但是大眾銀行精神指標，更和大眾銀行融為一體，但基于年事已高，接班人問題引起關注。

不過，現年77歲的他，仍精神奕奕見證特別選在研究會舉行，名為《鄭鴻標─風馳疾騁的金融良駒》（Teh Hong Piow─A Banking Thoroughbred）的自傳推介禮。

矢言追求卓越

大馬管理學院會長敦韓聶夫奧瑪，以及大眾銀行董事經理拿督斯里鄭亞歷，共同推介這本由著名傳播界元老培迪鮑伊撰寫的新書。

韓聶夫與鄭鴻標相知超過30載，並獲贈由后者親筆簽名的第1本新書。

這本書追溯鄭鴻標過去40年來，孕育一手創建大眾銀行，從小茁壯成長為巨霸的歷程，並娓娓道出他的信念、價值觀和哲學，及如何在銀行上下灌輸“矢言追求卓越”的信念。

另一方面，自獲得政府頒發最后一張私營銀行執照后，鄭鴻標在1960年創辦大眾銀行，開始打造金融王國的生涯，並成為國內聲譽卓越的銀行家。

如今，大眾銀行已是我國第3大銀行集團，良好的業務營運往往贏得分析界給于“跑贏大市”（Outperform）評級，穩定可觀的股息回酬，更是散戶投資者的最愛。

我是心心

Book On "Teh Hong Piow - A Banking Thoroughbred" Launched At MIM National Management Conference

This special publication, which offers an insight of the man behind the driving force of Public Bank's phenomenal success, was officially launched by the President of the Malaysian Institute of Management (MIM), Tun Hj Mohammed Hanif Omar, at MIM's National Management Conference at Mandarin Oriental KL today.

The book entitled "Teh Hong Piow - A Banking Thoroughbred" was authored by Datuk Paddy Bowie, a prominent communications doyen to commemorate Public Bank's 40th anniversary.

The book traces Tan Sri Teh's 40 year journey of nurturing the Bank he founded, from "a pigmy to a veritable giant". It shares with the reader this man's beliefs, values and philosophy and his successful inculcation of an "unremitting quest for excellence" in his Bank. The book chronicles also testimonies from many of the country's prominent personalities.

This 439 page book is distributed by MPH Distributors Sdn Bhd and Popular Book Co. (M) Sdn Bhd and retails at RM50 per hard cover copy. All proceeds from the sale of the book will be donated to charitable organisations.