【CIMB 1023 交流专区】 联昌国际

icy97

与联昌国际签暂定合约 迪拜政府拟购亚洲石油中心

财经新闻 财经  2014-09-06 10:54
（吉隆坡5日讯）迪拜政府旗下的油气公司，有意向联昌国际（CIMB，1023，主板金融股）购下亚洲石油中心（APH）计划发展权。

马交所公告指，旗下的联昌国际银行，已与迪拜政府旗下的阿联酋石油公司（ENOC）签署暂定合约（HOA）。

根据文告，这项暂定合约将为双方提供独家谈判权，洽谈交易详情与设计的范围，不过，在商谈中达至的任何协议仍需要有关单位批准。

由联昌国际领军的财团，在2012年时答应接管柔佛上十亿令吉的石油终站工程，帮助亚洲石油中心解决融资问题。

欲建世界最大油气港

2006年，亚洲石油中心获联昌国际提供14亿令吉的融资便利，欲在柔州丹绒柏勒巴斯港（Port of Tanjung Pelepas）面积达10040公顷的填土地，建设世界最大型综合港口油气计划。

无奈之后却因面临破产窘境，以致无法偿还银行贷款，同时也找不到其他投资者为柔佛石油终站工程筹资。【南洋网财经】

Type	Announcement
Subject	OTHERS
Description	CIMB Group Holdings Berhad (“CIMB Group”) Heads of Agreement between CIMB Bank Berhad and a consortium led by Emirates National Oil Company
CIMB Group announces that CIMB Bank Berhad, a subsidiary of CIMB Group, has recently signed a Heads of Agreement with a consortium led by the Emirates National Oil Company (“ENOC”), a wholly-owned entity of the Dubai Government, and comprising Malaysian parties, for the acquisition of CIMB’srights in the Asia Petroleum Hub Project. The Heads of Agreement provides for the parties to negotiate exclusively with each other and finalise the scope and terms of a sale and purchase agreement. Any agreement would also be subject to the approval of various authorities. Asia Petroleum Hub Sdn Bhd (APH) was set up in 2005 as a special purpose vehicle to undertake the proposed development, management and operation of an integrated oil terminal facility with multi-product petroleum storage, blending and distribution facilities dubbed the “Asia Petroleum Hub” on a 100-acre reclaimed island at Tanjung Bin, off the Port of Tanjung Pelepas, Johor. CIMB is the sole secured Lender for APH and had, in 2011 appointed Receivers and Managers over it. Further announcements on this proposed transaction will be made at the appropriate time. This announcement is dated 5 September 2014.

icy97

若與興業馬屋業合併‧聯昌擬打造東盟跨國銀行

2014-09-09 10:03      
（吉隆坡8日訊）聯昌集團（CIMB,1023,主板金融組）新任主席拿督斯里納西爾揚言，若與興業資本（RHBCAP,1066,主板金融組）及馬屋業（MBSB,1171,主板金融組）的合併案成功通過，重點將放在打造一家東盟跨國銀行。

剛於9月1日上任集團主席的納西爾在週一接受《彭博社》專訪時指出，各銀行必須擁有一定的規模才能夠在目前的環境中保持競爭力，並看好聯昌集團的大馬業務和回教銀行業務將會在完成合併後交出更好的表現。

納西爾透露，該集團與興業資本及馬屋業針對合併案的協商工作進展良好，三方管理層之間對此展現出動力，如今的關鍵是敲定一項三方股東都能接受的方案。

納西爾宣稱聯昌集團將致力於在2015年，達成將業務據點擴充至遍佈所有東盟成員國。

在收購菲律賓商業銀行（Bank of Commerce）的交易失敗後，納西爾表示聯昌集團會繼續嘗試收購該國的銀行，惟目前暫未與任何一方展開洽談。此外，他坦言印尼政府必須淡化該國的經濟民族主義，否則東盟一體化的計劃將會功虧一簣。

“如果我們必須減持聯昌商業銀行（CIMB Niaga）的股權，將會是個痛苦的事實。”納西爾相信印尼銀行領域所實施的新外資持股條例預計會對聯昌集團在該國的投資帶來打擊。

出讓APH權益展望正面

另一方面，聯昌集團旗下聯昌銀行日前與阿聯酋國油公司（ENOC）為首的財團簽署框架協議，探討出讓柔佛亞洲石油中心（APH）權益。馬銀行研究對該久違的項目終於看見商業可行性抱持正面態度，而聯昌集團亦有望回收對該項目所提供的貸款。

馬銀行研究指出，聯昌集團是該亞洲石油中心項目的唯一擔保放款人。（星洲日報／財經）

icy97

联昌股息再投资 新股定价RM6.78

财经新闻 财经  2014-09-16 11:30
（吉隆坡15日讯）联昌国际（CIMB，1023，主板金融股）配合首次中期股息的股息再投资计划，所发行的新股定价为每股6.78令吉。

发售价比每股7.14令吉除权价，折价约5%。

根据文告，首次中期股息与股息再投资计划的享有权益日期为本月30日。

这批新股预计将在下月30日上市。【南洋网财经】

Type	Announcement
Subject	NEW ISSUE OF SECURITIES (CHAPTER 6 OF LISTING REQUIREMENTS) OTHER ISSUE OF SECURITIES
Description	CIMB GROUP HOLDINGS BERHAD (“CIMBGH” OR “COMPANY”) DIVIDEND REINVESTMENT SCHEME (“DRS”)
(Unless otherwise stated, the defined terms used in this announcement shall carry the same meaning as defined in the announcements on 29 August 2014 and 12 September 2014 in relation to the DRS) Reference is made to the announcements dated 29 August 2014 and 12 September 2014 in relation to the DRS. On behalf of the Board of Directors of CIMBGH, CIMB Investment Bank Berhad wishes to announce that the issue price of the new CIMBGH Shares to be issued pursuant to the DRS for First Interim Dividend has been fixed today at RM6.78 per share (“Issue Price”) (“Price Fixing Date”). The Issue Price represents a discount of approximately 5% to the theoretical ex-dividend price of RM7.14 per CIMBGH Share, which was arrived at after taking into consideration the following: (i)             5 market day volume weighted average market price up to and including 12 September 2014, being the last trading day prior to the Price Fixing Date of approximately RM7.24 per CIMBGH Share; and (ii)            dividend per share of 10.00 sen per CIMBGH Share based on the share capital of CIMBGH of 8,336,517,525 as at 30 June 2014. The entitlement date pursuant to the First Interim Dividend and the DRS has been fixed for 30 September 2014. Barring any unforeseen circumstances, the new CIMBGH Shares arising from the DRS will be listed on the Main Market of Bursa Securities on 30 October 2014. This announcement is dated 15 September 2014.

icy97

EX-date	26/09/2014
Entitlement date	30/09/2014
Entitlement time	05:00:00 PM
Entitlement subject	First Interim Dividend
Entitlement description	Single Tier First Interim Dividend of 10.00 sen per share in respect of the financial year ending 31 December 2014.
Period of interest payment	to
Financial Year End	31/12/2014
Share transfer book & register of members will be	to closed from (both dates inclusive) for the purpose of determining the entitlements
Registrar's name ,address, telephone no	Symphony Share Registrars Sdn Bhd Level 6, Symphony House Pusat Dagangan Dana 1 Jalan PJU 1A/46 47301 Petaling Jaya Selangor Darul Ehsan Tel : 03-7841 8000 Fax : 03-7841 8152
Payment date	29/10/2014
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	30/09/2014
b.Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit
c. Securities bought on the Exchange on a cum entitlement basis according to the Rules of the Exchange.
Number of new shares/securities issued (units) (If applicable)
Entitlement indicator	Currency
Currency	Malaysian Ringgit (MYR)
Entitlement in Currency	0.1

icy97

詹道明任泰国联昌主席

财经新闻 财经  2014-10-03 11:11
（吉隆坡2日讯）联昌国际（CIMB，1023，主板金融股）旗下的泰国联昌银行委任拿督詹道明，接替已退休的前任主席查拉蒙。

根据文告，泰国联昌银行已通过这项委任建议，詹道明自2008年起，一直担任泰国联昌董事。

他在银行领域拥有37年经验，并担任联昌集团董事、丹绒Plc主席及育才基金托管人。【南洋网财经】

icy97

Type	Announcement
Subject	OTHERS
Description	SUBMISSION TO BANK NEGARA MALAYSIA (“BNM”) FOR APPROVAL ON THE PROPOSED MERGER OF THE BUSINESSES AND UNDERTAKINGS OF RHB CAPITAL BERHAD (“RHB CAPITAL”), CIMB GROUP HOLDINGS BERHAD AND MALAYSIA BUILDING SOCIETY BERHAD (“MBSB”) AND THE CREATION OF AN ENLARGED ISLAMIC BANKING FRANCHISE (“PROPOSED MERGER”)
We refer to the previous announcement dated 10 July 2014 (“Announcement”). Unless otherwise stated, the definitions used here shall have the same meanings as set out in the Announcement. On behalf of CIMB Group, CIMB Investment Bank Berhad wishes to announce that CIMB Group and RHB Capital, as well as their relevant subsidiaries, had made a joint application to BNM to seek the approval of BNM and/or the Minister of Finance (“MoF”) through BNM for, amongst others, the Proposed Merger. The Proposed Merger is intended to encompass the following: (i)             The proposed disposal by CIMB Group of all its assets, liabilities, business and undertakings (“Assets and Liabilities”) to RHB Capital (“Proposed Disposal”). CIMB Group shall dispose of all its Assets and Liabilities to RHB Capital in consideration for new shares in RHB Capital (“CIMB Group Consideration Shares”) via a proposed scheme of arrangement under Section 176 of the Companies Act, 1965 (“Act”) between CIMB Group and its shareholders, and RHB Capital, CIMB Islamic Bank, and RHB Islamic and a business sale and purchase agreement entered into between CIMB Group and RHB Capital. In addition, CIMB Group will undertake a capital reduction exercise under Section 64 of the Act to facilitate the distribution of the CIMB Group Consideration Shares to its shareholders, following which CIMB Group shall be delisted from the Main Market of Bursa Malaysia Securities Berhad (“Bursa Securities”). The consideration for the Proposed Disposal (“CIMB Group Merger Consideration”) is RM7.267 per CIMB Group share. This is equivalent to an aggregate CIMB Group Merger Consideration of RM60,581.5 million based on the number of shares in CIMB Group as at 31 July 2014 (8,336.5 million CIMB Group shares). The CIMB Group Merger Consideration represents a premium of 0.4% to the market price of CIMB Group of RM7.24 as at the reference date of 9 July 2014. The CIMB Group Merger Consideration values RHB Capital at RM10.028 per share based on the number of shares in RHB Capital as at 24 July 2014 (2,572.5 million RHB Capital shares). This represents a premium of 15.0% to the market price of RHB Capital of RM8.72 as at the reference date of 9 July 2014. (ii)          The proposed acquisition by CIMB Islamic Bank Berhad (“CIMB Islamic”) of the Assets and Liabilities of RHB Islamic Bank Berhad (“RHB Islamic”) (“Proposed RHB Islamic Acquisition”). As an integral part of the Proposed Merger, CIMB Islamic will acquire all the Assets and Liabilities of RHB Islamic in consideration for new ordinary shares in CIMB Islamic (“RHB Islamic Consideration Shares”). The proposed consideration for the Proposed RHB Islamic Acquisition (“RHB Islamic Purchase Consideration”) is RM4,146.8 million. This is equivalent to an implied price per share in RHB Islamic of RM3.53 based on the number of shares of RHB Islamic (1,173.4 million RHB Islamic shares) as at 31 March 2014. The RHB Islamic Purchase Consideration values RHB Islamic at a price-to-book ratio (“PB Ratio”) of 2.00 times the unaudited consolidated net assets (“NA”) to equity holders of RHB Islamic of RM2,073.4 million as at 31 March 2014 and 1.96 times the unaudited consolidated NA to equity holders of RHB Islamic of RM2,119.3 million as at 30 June 2014. The implied issue price of RM5.399 per share in CIMB Islamic for the RHB Islamic Purchase Consideration values CIMB Islamic at a PB Ratio of 2.00 times to the unaudited consolidated NA to equity holders of CIMB Islamic of RM2,699.3 million as at 31 March 2014 and 1.93 times to the unaudited consolidated NA to equity holders of CIMB Islamic of RM2,803.4 million as at 30 June 2014. (iii)           The proposed merger of the Assets and Liabilities of CIMB Islamic, RHB Islamic and MBSB to create a mega Islamic bank (“Proposed Islamic Merger”). The Proposed Islamic Merger will involve the acquisition by CIMB Islamic of all the Assets and Liabilities of MBSB in consideration for new redeemable convertible preference shares in CIMB Islamic (“MBSB Consideration Shares”) (“Proposed MBSB Acquisition”). MBSB shall undertake a capital repayment exercise under Section 64 of the Act (“Proposed Capital Repayment”) to distribute the rights to the MBSB Consideration Shares (i.e. the CIMB Islamic redeemable convertible preference shares and/or the rights and entitlements thereunder) to all the shareholders of MBSB as at an entitlement date to be determined and announced later. Upon completion of the Proposed Capital Repayment, the relevant steps will be taken for the delisting of MBSB from the Main Market of Bursa Securities. The proposed consideration for the acquisition of the Assets and Liabilities of MBSB (“MBSB Purchase Consideration”) is RM2.820 per MBSB share and represents a premium of 20.5% to the market price of MBSB of RM2.34 as at the reference date of 9 July 2014. This is equivalent to aggregate consideration of RM7,768.1 million (on a fully diluted basis, based on 2,676.0 million outstanding MBSB Shares, 18.0 million unexercised MBSB warrants 2011/2016 and 60.6 million unexercised MBSB employee share option scheme options as at 27 August 2014). The implied issue price of RM5.399 per share in CIMB Islamic for the MBSB Purchase Consideration values CIMB Islamic at a PB Ratio of 2.00 times the unaudited consolidated NA to equity holders of CIMB Islamic of RM2,699.3 million as at 31 March 2014 and 1.93 times the unaudited consolidated NA to equity holders of CIMB Islamic of RM2,803.4 million as at 30 June 2014. Upon completion of the Proposed Islamic Merger, the enlarged Islamic bank may undertake a capital raising exercise to bolster its capital base for future growth. It is envisaged that following the capital raising exercise, the merged CIMB Group-RHB Capital would retain a controlling stake in the mega Islamic bank. The Proposed Disposal and Proposed RHB Islamic Acquisition are not conditional upon the Proposed Islamic Merger and vice versa, or any other transaction or proposal involving the Parties. CIMB Investment Bank Berhad and JPMorgan Securities (Malaysia) Sdn Bhd acted as joint advisers to CIMB Group. Kadir, Andri & Partners acted as legal counsel to CIMB Group. Attached is the press release in relation to the above. Further details on the Proposed Merger will be announced by the Parties upon approval by BNM and/or MoF and the signing of the definitive agreements in relation to the Proposed Merger. This announcement is dated 9 October 2014. http://www.bursamalaysia.com/market/listed-companies/company-announcements/1761093

Attachments Press Release 091014.pdf

icy97

联昌收购印尼7-11营运商

财经 2014年10月20日
（吉隆坡20日讯）联昌私募股本今日宣布收购印尼上市零售业者--Modern Internasional少数股权。

Modern Internasiona也拥有7-11便利店印尼的特许经营权。联昌私募股本是以2 5 0 0万美元（约8175万令吉），认购Modern Internasiona10%新股。

Modern Internasiona脱售股权获得的资金，將作为开新店及提升基本建设的资本开销。

联昌国际集团首席財务员兼集团策略及策略投资首席执行员金肯义表示，「我们对於可以参与我们的长期商业伙伴ModernInternasiona在印尼扩充7-11便利店网络的机会，感到兴奋。」

联昌国际私募股本是联昌国际集团的子公司。【东方网财经】

icy97

泰联昌首3季净利跌6%

财经新闻 财经  2014-10-24 10:48
（曼谷23日讯）联昌国际（CIMB，1023，主板金融股）旗下泰国联昌国际银行（CIMB Thai）截至9月30日的首9个月净利，按年下跌6.3%，报9亿泰铢（约8361万令吉）。

根据文告，净利表现下滑主要因为营运开销增长16.8%，至52亿470万泰铢（约4亿8352万令吉）。

同时，呆账准备金按年扬67.4%。

呆账拨备增泰国联昌国际总裁兼总执行长苏峇西瓦拉沙指出，从去年杪开始，泰国经济表现充满不确定性，导致呆账拨备金增加。

另外，公司拓展软件和网络及雇员费用，推高营运开销。

营运盈利则按年增长21.2%，至77亿3720万泰铢（约7亿1879万令吉），而不包括非经常性项目的营运盈利则上扬24.3%。

截至9月杪，泰国联昌国际的呆账拨备金高达56亿泰铢（约5亿2024万令吉）。【南洋网财经】

Type	Announcement
Subject	OTHERS
Description	CIMB Thai Bank Public Company Limited ("CIMB Thai") releases its Unaudited Financial Results for the 3rd Quarter ended 30 September 2014
We, CIMB Group Holdings Berhad ("CIMB Group") are pleased to announce that CIMB Thai, a 93.71% subsidiary of CIMB Bank Berhad (a 99.99% owned subsidiary of CIMB Group Sdn Bhd, which in turn is a 100% subsidiary of CIMB Group), had on 21 October 2014 announced its unaudited financial results for the 3rd Quarter ended 30 September 2014. The unaudited financial results and the corresponding press release are attached herewith.   This announcement is dated 21 October 2014. http://www.bursamalaysia.com/market/listed-companies/company-announcements/1771593

Attachments CIMBT 3Q14 PR.pdf CIMBT 3Q14 FS.pdf

mingkok76

CIMB最近都往下跌！究竟这个股现在可以买进吗？有哪位大大可以分享目前的状况

icy97

在合并计划中不获投票权　公积金有意减持联昌

二零一四年十月二十三日 晚上十一时
（八打灵再也23日讯）雇员公积金局（EPF）可能会削减其在联昌集团控股有限公司（CIMB，1023，金融组）的持股，从而消除了该退休基金对于包括与兴业资本有限公司（RHBCAP，1066，金融组）和马建屋有限公司（MBSB，1171，金融组）正在进行中的大型银行合并计划存有的利益冲突。

据行内消息称，公积金局持有联昌集团14.59%股权，可能会考虑脱售其中大部分股份给其他政府相关基金。

根据联昌集团每股7.27令吉的价格计算，公积金局在联昌集团的股份总值高达88亿令吉，而上述合并价值归于该银行集团。这意味着当中的买家或买家们需要一些说服力来选购。

目前，这是公积金局引起的关联交易（RPT）事件，因为它是联昌集团及兴业资本的股东（持有41%股权）。同时，它也持有马建屋65%股权。

在本周二，兴业资本和马建屋宣布，大马交易所致信拒绝它们的共同主要股东公积金局在该大型银行合并中拥有投票权的申请。

早前，公积金局曾要求大马交易所豁免条例，即它应该不获准投票，以免对旗下1400万名会员的利益出现争议。

大马交易所表示，在作出禁止公积金局投票的决定前，它考虑了几个因素，其实雇员公积金局曾有合并建议的先前知识，它在2014年7月9日，当联昌集团发出意向书之前，它经已收到联昌集团的通知。

它称，凭着雇员公积金局在3间受影响公司（即兴业资本、马建屋及联昌集团）成为共同主要股东，以及在兴业资本和马建屋的单一最大股东，这存在着比如利益立场的潜在冲突，公积金局可能会影响合并建议，以达到其本身的利益。

它也说，公积金局立场并不像其他兴业资本股东，前者掌控着兴业资本和马建屋的股份，因此它在这些公司里扮演着显著影响的角色。

同时，身为兴业资本和马建屋的单一最大股东，以及联昌集团主要股东，大马交易所认为，雇员公积金局可能会从马建屋或联昌集团交易中获益。

交易所指出，在上市必要条件之下，关联交易架构的宗旨是防止引起潜在利益冲突。

在关联交易中，它称，相关团体的主张可能会影响上市发行商的行动或交易，这使到上市发行商存在潜在滥用风险。【光华日报财经】

icy97

銀行大合併“勢在必行”‧聯昌管理層：整合成本料達14億

2014-10-29 17:45      
（吉隆坡29日訊）聯昌集團（CIMB,1023,主板金融組）和興業資本（RHBCAP,1066,主板金融組）的銀行大合併“勢在必行”，管理層估計整合成本14億令吉，同時，合併後將創造一家大型伊斯蘭銀行，而儘管負債水平可能是大型伊斯蘭銀行獨立上市之障礙，分析員認為有3至5年寬限期，讓聯昌集團和策略伙伴導入正確策略。

馬銀行研究預測興業在聯昌集團於2015財政年每股盈利貢獻11%比重，每股賬面值強化19%。

馬銀行會晤聯昌管理層後認為，聯昌、興業與馬屋業（MBSB,1171,主板金融組）大合併預料不會有太多變數，之前分析亦把合併考量在內，初期雖具“兩大強化”作用，惟同年股本回酬稀釋0.9%點至11.4%。

截至2013年杪，作為大馬最大的銀行，馬來亞銀行有399間分行，而聯昌有297，興業210間，而馬屋業則有46間，3家銀行總共有553間分行。

假設馬銀行的399間分行是理想規模，世紀大整合擴大會有150間多餘分行，管理層計劃關閉40至50間，意味有100至110間將是伊斯蘭業務的分行。

關閉一間成本約為200萬至300萬，關閉50家分行所涉成本約1億5千萬令吉。管理層也估計整合成本達14億令吉，約為併購成本的4%，高於一般2%至3%之成本；整合成本按80:20資本開銷與營運成本運行，所涉花費龐大。

具2.8億盈虧衝擊

“假設花費併購成本的20%，意味有2億8千萬令吉的盈虧衝擊，低於2016財政年預測的3億1千300萬令吉。”

大馬研究認為，合併65%是低協同效應的，包括把成本轉移至伊斯蘭銀行、關閉分行和職員合理化、減低擴展行銷，擴大新加坡業務、增加銷售平台等。

“與其合理化一些資產，一些資產可能轉移至大型伊斯蘭銀行體系，且成本在更大實體中比重更趨低。”

聯昌集團正在尋找伊斯蘭銀行策略伙伴並準備脫售持股，最終只持股51至60%。多餘分行欲將併入大型伊斯蘭銀行，也將吸納冗員而同時進行常規與伊銀行業務，伊銀行體系也將擁有獨立分行。

聯昌集團投資銀行側重大資本股，興業投行多服務投資中小資本股的散戶，業務互補而不重疊，分析員認為管理層不會輕言脫售。

MIDF研究說，馬屋業服務公務員的個人貸款問題，這項透過扣除公務員薪金攤還貸款模式將轉移至大型伊斯蘭銀行，並會利用總稽查司直接扣薪制服務新個人貸款。

或開創伊斯蘭微型貸款

大馬研究說，在營收協作方面，併購後的實體可能開創伊斯蘭微型貸款，包括可能在印尼微型至中小型銀行透過非薪資直接扣除制攤還貸款。

“大整合建議已呈國行等待批准，也同步與區域各監管機構接觸；一旦獲相關機構“放行”，預期2015年1月簽署買賣協議，其次是各行召開股東特大核准，預期2015年中獲庭令轉移資產負債。”

豐隆研究預測，大整合後成本合理化和預計獲更佳非利息收入成長，放眼轉往為亞太在地銀行及有更活絡資本管理。至於風險包括註銷貸款走高，資金市場放緩衝擊非利息收益等。

馬銀行說，根據1.38股聯昌集團兌換興業資本1股計，聯昌集團日前6令吉20仙股價提供廉價入門，以目前興業資本8令吉74仙股價算，聯昌實價應為再高2%至6令吉33仙才門當戶對。



（星洲日報／財經‧報道：張啟華）


联昌国际浮现价值　分析员改口喊买
财经 2014年10月29日
http://www.orientaldaily.com.my/index.php?option=com_k2&view=item&id=145437:&Itemid=198

icy97

运环境严峻利息开销走高 印尼联昌首3季净利挫29%

财经新闻 财经  2014-10-30 10:39
（雅加达29日讯）印尼营运环境持续严峻，联昌国际印尼子公司联昌商业银行（CIMB Niaga Bank）首9个月净利下挫28.5%，报2.3兆印尼盾（约6.19亿令吉）。

这相等于每股盈利91.4印尼盾（约2.46仙），和11.2%的投资回酬率（ROE）。

联昌商业银行表示，净利滑落的主要原因有三。

3利淡冲击

其一，由于利息开销走高，导致净利息收入按年仅微扬3.6%。另外，外汇和资本市场业务走缓、条例改变影响银行保险费用收入，均导致费用收入按年跌21.5%。

另外，拨备增加也影响净利表现。

不过，随着总资产增加4.4%，达227.74兆印尼盾（约613.32亿令吉），联昌商业银行仍保持印尼第五大银行的地位。

目前，联昌国际共持联昌商业银行97.94%股权，后者目前对联昌国际的税前盈利贡献约为30%。

贷款增7.3%看好明年

虽然印尼银行领域挑战严峻，但联昌商业银行总裁董事艾温拉昔对印尼金融服务局（FSA）10月1日，为第三级和第四级商业银行业务范畴设下存款率上限感到高兴。

“这将缓和银行的资金成本，稳定净利息赚幅。”

消费者贷款降1.6%

他预计末季仍充满挑战，不过乐观看待明年前景。随着新政府领导层上位，相信经济和政府支出可重拾动力。

截至9月，联昌商业银行贷款增长为7.3%，企于166.84兆印尼盾（约449.59亿令吉）。

其中，企业贷款攀14%，达48.51兆印尼盾（约130.65亿令吉）；中小微型企业贷款扬10.8%，报33.61兆印尼盾（约90.60亿令吉）。

不过，消费者贷款则减少1.6%，为48.75兆印尼盾（约131.38亿令吉）。

艾温称，虽然消费者贷款走软，不过其他业务的增长仍不俗，包括个人贷款（+34.5%）和信用卡（+30.6%）。

第三季推出的联昌商业亚航BIG卡，也预计可改善信用卡业务。【南洋网财经】

Type	Announcement
Subject	OTHERS
Description	PT Bank CIMB Niaga releases its unaudited Financial Results for the 3rd Quarter ended 30 September 2014
We, CIMB Group Holdings Berhad ("CIMB Group"), are pleased to announce that our 97.94% (indirectly held) subsidiary, PT Bank CIMB Niaga, had today announced its unaudited financial results for the 3rd Quarter ended 30 September 2014. The unaudited financial results and the corresponding press release are attached herewith. For further information, please proceed to the following link: http://www.cimbniaga.com/index.php?ch=gen_ir&pg=gen_ir_fin&yr=2014&cat=2 This announcement is dated 29 October 2014. http://www.bursamalaysia.com/market/listed-companies/company-announcements/1779241

Attachments CIMB Niaga 3Q14 PR.pdf CIMB Niaga 3Q14 FS.pdf

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 Scheme (DRS)
No. of shares issued under this corporate proposal	87,228,960
Issue price per share ($$)	MYR 6.780
Par Value ($$)	MYR 1.000
Latest issued and paid up share capital after the above corporate proposal in the following
Units	8,423,750,993
Currency	MYR 8,423,750,993.000
Listing Date	30/10/2014

icy97

Name	Khazanah Nasional Berhad
Address	Level 33, Tower 2 Petronas Twin Towers Kuala Lumpur City Centre 50088 Kuala Lumpur
NRIC/Passport No/Company No.	275505-K
Nationality/Country of incorporation	Malaysia
Descriptions (Class & nominal value)	Ordinary Shares of RM1.00 each
Name & address of registered holder	Khazanah Nasional Berhad (Khazanah)

Details of changes

Currency: Malaysian Ringgit (MYR)

Type of transaction	Date of change	No of securities	Price Transacted (RM)
Others	29/10/2014	35,885,212

Description of other type of transaction	Shares alloted in respect of Dividend Reinvestment Scheme
Circumstances by reason of which change has occurred	Shares alloted in respect of Dividend Reinvestment Scheme
Nature of interest	Direct
Direct (units)	2,468,902,651
Direct (%)	29.31
Indirect/deemed interest (units)
Indirect/deemed interest (%)
Total no of securities after change	2,468,902,651
Date of notice	30/10/2014

lw13

目前价格 6.43  在考虑要不要进场。。。。

icy97

Name	Employees Provident Fund Board
Address	Tingkat 19, Bangunan KWSP Jalan Raja Laut 50350 Kuala Lumpur
NRIC/Passport No/Company No.	EPF ACT 1991
Nationality/Country of incorporation	Malaysia
Descriptions (Class & nominal value)	Ordinary Shares of RM1.00 each
Name & address of registered holder	Citigroup Nominees (Tempatan) Sdn Bhd ("Citigroup") - Employees Provident Fund Board Citigroup - Employees Provident Fund Board (AMUNDI) Citigroup - Employees Provident Fund Board (KIB) Citigroup - Employees Provident Fund Board (HDBS) Citigroup - Employees Provident Fund Board (RHB INV) Citigroup - Employees Provident Fund Board (AM INV) Citigroup - Employees Provident Fund Board (MAYBAN) Citigroup - Employees Provident Fund Board (KAF FM) Citigroup - Employees Provident Fund Board (NOMURA) Citigroup - Employees Provident Fund Board (PHEIM) Citigroup - Employees Provident Fund Board (CIMB PRI) Citigroup - Employees Provident Fund Board (ARIM) Citigroup - Employees Provident Fund Board (TEMPLETON) Citigroup - Employees Provident Fund Board (ABERDEEN) - Level 42, Menara Citibank, 165 Jalan Ampang, 50450 Kuala Lumpur

Details of changes

Currency: Malaysian Ringgit (MYR)

Type of transaction	Date of change	No of securities	Price Transacted (RM)
Others	30/10/2014	16,290,633
Others	30/10/2014	19,776
Others	30/10/2014	219,860
Others	30/10/2014	29,480
Others	30/10/2014	169,611
Others	30/10/2014	45,017
Others	30/10/2014	159,166

Description of other type of transaction	- Citigroup - EPF Board - Shares derived from dividend reinvestment plan of 16,290,633 shares - Citigroup - EPF Board (KIB) - Shares derived from dividend reinvestment plan of 19,776 shares - Citigroup - EPF Board (HDBS) - Shares derived from dividend reinvestment plan of 219,860 shares - Citigroup - EPF Board (PHEIM) - Shares derived from dividend reinvestment plan of 29,480 shares - Citigroup - EPF Board (CIMB PRI) - Shares derived from dividend reinvestment plan of 169,611 shares - Citigroup - EPF Board (ARIM ) - Shares derived from dividend reinvestment plan of 45,017 shares - Citigroup - EPF Board (TEMPLETON) - Shares derived from dividend reinvestment plan of 159,166 shares
Circumstances by reason of which change has occurred	Nil
Nature of interest	Direct
Direct (units)	1,233,717,420
Direct (%)	14.65
Indirect/deemed interest (units)
Indirect/deemed interest (%)
Total no of securities after change	1,233,717,420
Date of notice	31/10/2014

icy97

联昌第3季净利跌16%　印尼业务挑战艰鉅

财经 2014年11月18日
（吉隆坡18日讯）联昌国际（CIMB，1023，主板金融股）2014財政年第3季净利按年跌16.15%，至8亿9027万令吉，管理层预计，包括大马在內的区域银行业务將持续稳定成长，但印尼营运將持续因印尼盾贬值而面对艰鉅挑战。

联昌国际今天傍晚公佈持续退步的季度业绩，2014財政年第3季（截至9月30日止）营业额从去年同期的34亿8507万令吉，按年略增1.25%，至35亿2860万令吉；净利则从10亿6169万令吉，下跌16.15%，至8亿9027万令吉。

在2014財政年首9个月，其营业额从108亿7462万令吉，按年滑落3.69%，至104亿7382万令吉。

另外，联昌国际首9个月净利亦从去年35亿零214万令吉，下降17.01%，至29亿零649万令吉。简化成每股净利是35.22仙，相比去年同期的46.51仙。董事局没有建议派发股息。

联昌国际代首席执行员东姑拿督查鲁夫在文告中表示，2014年是充满挑战的一年，联昌国际今年首9个月获利能力主要是受到印尼艰鉅营运环境所影响。印尼盾按年跌36.4%，导致联昌印尼（CIMBNiaga）的税前盈利贡献减少。

同时，查鲁夫说，「区域资本市场的成交量和波动性持续疲弱，使我们的投资银行业务的表现也隨之放缓。无论如何，大马消费者银行的表现良好，新加坡和泰国银行业务也持续强劲的成长。」

与此同时，联昌国际指出，假如扣除一次性收入的话，该集团2014財政年首9个月净利按年下跌7.4%。

隨著联昌国际今年1月配售新股使股本扩大后，其2014財政年首9个月的净股票回酬率（ROE）是11.6%。无论如何，由於联昌国际更严谨的控制成本，其营运开支下跌1.1%，成本对收入比例是57.8%。

持续稳定成长

展望將来，查鲁夫表示，「联昌国际料维持稳定的成长，而联昌新加坡料保持正面的成长动力。联昌泰国则在经济復甦和消费者信心好转下，展现令人鼓舞的跡象。然而，联昌印尼料持续面对来自资產素质和银行系统里资金流动紧张的挑战。」

在银行大合併方面，查鲁夫提到，合併三方联昌国际、兴业资本（RHBCAP，1066，主板金融股）和马建屋（MBSB，1171，主板金融股）正针对精密审核展开深入洽谈，预计在2015年首季初达成协议。

联昌国际股价今天闭市收报6.20令吉，无起落，成交量是466万2000股。【东方网财经】

SUMMARY OF KEY FINANCIAL INFORMATION 30/09/2014

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		30/09/2014	30/09/2013	30/09/2014	30/09/2013
		$$'000	$$'000	$$'000	$$'000

1	Revenue	3,528,596	3,485,070	10,473,823	10,874,617
2	Profit/(loss) before tax	1,179,263	1,386,257	3,891,485	4,491,174
3	Profit/(loss) for the period	902,943	1,078,737	2,949,236	3,552,172
4	Profit/(loss) attributable to ordinary equity holders of the parent	890,270	1,061,691	2,906,490	3,502,136
5	Basic earnings/(loss) per share (Subunit)	10.72	13.91	35.22	46.51
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	10.00	12.82
		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 ($$)	4.4000		3.9200

icy97

短期有下行風險‧聯昌兩年財測下砍

2014-11-19 17:27      
（吉隆坡19日訊）聯昌集團（CIMB,1023,主板金融組）首9個月盈利表現依舊低迷，分析員相信短期下行風險依舊，其中印尼臂膀資產惡化情況最讓人擔心，紛紛下砍今明兩年財測。

寫52週最低

聯昌集團第三季盈利表現疲弱，令場內拋聲隆隆，開盤即挫2仙至6令吉18仙，終場以全日最低6令吉零6仙掛收，跌14仙或2.26%，創下52週來最低水平，為全場10大下跌股之一。

大眾研究指出，聯昌集團2014財政年首9個月淨利為21億令吉，表現令人失望，僅達全年淨利目標的70%，而艱難的營運環境不難從撥備增長71.2%看出。

回顧第三季業績表現，聯昌集團商業銀行稅前盈利按年下跌2%，主要是印尼業務盈利萎縮48.8%拖累，令印尼業務對集團首9個月盈利貢獻比重從前期的26.2%減至13.7%，相比之下大馬業務在貸款穩定增長11%，以及經常性開銷削減下，商業銀行稅前盈利增長7.2%。

大眾研究說，聯昌集團總貸款按年增長9.8%，增速高於存款的1.6%，導致貸款存款比從87.1%增至93.5%，淨利息賺益則按季萎縮8個基點。

但達證券指出，整體貸款增長比預期的11%為低，因此下調大馬貸款增長目標從9%至6%，而基於大馬佔總貸款組合的60%，因此下修2014財政年總貸款增長從11%至9.2%。

“同時，我們也調低存款增長從11%至7.4%，非淨利息收入則因資金市場活動趨疲，增幅下調15%至22%。”

資產品質方面，受到印尼呆賬增加，貸款損失覆蓋率僅一步下跌至74.2%，但管理層仍對現有水平感到舒適。

MIDF研究認為，印尼聯昌商業銀行第三季總呆賬上揚至5.4%，不排除第四季呆賬將進一步攀升，迫使銀行做出更多的撥備。

“泰國淨呆賬率也微揚至3.3%，而管理層也緊密觀察泰國資產品質。”

大整合料不影響股息政策

展望2015年，豐隆研究指出，聯昌集團2015年首兩季洽商中的交易表現更好和更強勁，預期2015財政年上半年表現將更強勁，而大馬資產品質持續改善，相信世紀大整合不會對股息政策帶來影響。

“為反映儲備和其他調整，我們下砍2014財政年淨利預測13%，而2015至2016財政年淨利預測也調低2%至3%。”

安聯星展研究認為，印尼業務增長緩慢和資產品質惡化將是聯昌集團未來主要風險所在。

至於銀行業“世紀大整合“進展，馬銀行研究透露，基於興業資本（RHBCAP,1066,主板金融組）和馬屋業（MBSB,1171,主板金融組）的精密審查（Due Diligence）工作正在進行，管理層仍希望三方能在2015年1月簽定買賣協議，整個整合計劃則料在2015年中旬完成。



（星洲日報／財經‧報道：洪建文）


业绩逊色拖累　联昌股价近5年新低
财经 2014年11月19日
http://www.orientaldaily.com.my/index.php?option=com_k2&view=item&id=149326:5&Itemid=198


呆账比例高印尼业务差 联昌国际钱途蒙尘
财经新闻 财经  2014-11-21 11:01
http://www.nanyang.com/node/663780?tid=462

liang_2002

股價先是被合併消息拖累
再是被盈利下挫拖累

真是屋漏偏逢連夜雨。。

Harryharry

lw13 发表于 3-11-2014 12:10 PM
目前价格 6.43  在考虑要不要进场。。。。

现在跌到5年来最低点了... 5.79