Highlights
KLSE: CIMB (1023)       CIMB GROUP HOLDINGS BHD MAIN : Finance
Last Price Today's Change   Day's Range   Trading Volume
5.06   -0.01 (0.20%)  5.06 - 5.09  7,192,200
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Financials


Market Cap: 49,221 Million

Market Cap 49,221 Million
NOSH 9,727 Million

Latest Audited Result:  31-Dec-2018

Latest Audited Result: 31-Dec-2018
Announcement Date 19-Apr-2019
Next Audited Result: 31-Dec-2019
Est. Ann. Date: 19-Apr-2020
Est. Ann. Due Date: 28-Jun-2020

Latest Quarter:  31-Mar-2019 [#1]

Latest Quarter: 31-Mar-2019 [#1]
Announcement Date 29-May-2019
Next Quarter: 30-Jun-2019
Est. Ann. Date: 29-Aug-2019
Est. Ann. Due Date: 29-Aug-2019
QoQ | YoY   6.71%  |    -8.72%

Annual (Unaudited) ( EPS: 57.40, P/E: 8.82 )

Revenue | NP to SH 17,381,968  |  5,583,510
RPS | P/RPS 178.69 Cent  |  2.83
EPS | P/E | EY 57.40 Cent  |  8.82  |  11.34%
DPS | DY | Payout % 24.45 Cent  |  4.83%  |  42.59%
NAPS | P/NAPS 5.25  |  0.96
YoY   24.77%
NP Margin | ROE 32.58%  |  10.93%
F.Y. | Ann. Date 31-Dec-2018  |  28-Feb-2019

T4Q Result ( EPS: 56.23, P/E: 9.00 )

Revenue | NP to SH 17,244,803  |  5,469,678
RPS | P/RPS 177.28 Cent  |  2.85
EPS | P/E | EY 56.23 Cent  |  9.00  |  11.11%
DPS | DY | Payout % 24.19 Cent  |  4.78%  |  43.02%
NAPS | P/NAPS 5.43  |  0.93
QoQ | YoY   -2.04%  |    18.89%
NP Margin | ROE 32.08%  |  10.35%
F.Y. | Ann. Date 31-Mar-2019  |  29-May-2019

Annualized Result ( EPS: 49.02, P/E: 10.32 )

Revenue | NP to SH 16,664,584  |  4,768,168
RPS | P/RPS 171.32 Cent  |  2.95
EPS | P/E | EY 49.02 Cent  |  10.32  |  9.69%
DPS | DY | Payout % -
NAPS | P/NAPS -
QoQ | YoY   -14.60%  |    -8.72%
NP Margin | ROE 28.99%  |  9.02%
F.Y. | Ann. Date 31-Mar-2019  |  29-May-2019


Hints :
Click the QoQ or YoY on table to view the QoQ or YoY Financial Result page.

Click here to modify the Visible Columns.

Date Financial Result Financial Ratio Per Share Item Performance Valuation (End of Quarter) Valuation (Ann. Date)
F.Y. Ann. Date Quarter # Revenue PBT NP NP to SH Div Net Worth Div Payout % NP Margin ROE NOSH RPS Adj. RPS EPS Adj. EPS DPS Adj. DPS NAPS Adj. NAPS QoQ YoY EOQ Date EOQ Price EOQ P/RPS EOQ P/EPS EOQ P/NAPS EOQ EY EOQ DY ANN Date ANN Price ANN P/RPS ANN P/EPS ANN P/NAPS ANN EY ANN DY
T4Q 29-May-2019 31-Mar-2019 1 17,244,803 7,060,900 5,531,567 5,469,678 2,353,058 52,835,961 43.02% 32.08% 10.35% 9,564,455 180.30 177.28 57.19 56.23 24.60 24.19 5.5242 5.43   -2.04% 29-Mar-2019 5.15 2.86 9.01 0.93 11.10% 4.78% 29-May-2019 5.15 2.86 9.01 0.93 11.10% 4.78%
31-Dec-2018 28-Feb-2019 31-Dec-2018 4 17,381,968 7,200,667 5,663,353 5,583,510 2,378,157 51,096,139 42.59% 32.58% 10.93% 9,512,630 182.73 178.69 59.67 57.40 25.00 24.45 5.3714 5.25   24.77% 31-Dec-2018 5.71 3.12 9.73 1.06 10.28% 4.38% 28-Feb-2019 5.85 3.20 9.97 1.09 10.03% 4.27%
31-Dec-2017 28-Feb-2018 31-Dec-2017 4 17,626,496 6,109,985 4,607,966 4,475,175 2,287,062 47,841,687 51.11% 26.14% 9.35% 9,148,250 192.68 181.20 49.63 46.01 25.00 23.51 5.2296 4.92   25.56% 29-Dec-2017 6.54 3.39 13.37 1.25 7.48% 3.82% 28-Feb-2018 7.19 3.73 14.70 1.37 6.80% 3.48%
31-Dec-2016 28-Feb-2017 31-Dec-2016 4 16,065,255 4,884,144 3,632,957 3,564,190 1,765,183 45,091,606 49.53% 22.61% 7.90% 8,825,916 182.02 165.15 41.00 36.64 20.00 18.15 5.1090 4.64   25.08% 30-Dec-2016 4.51 2.48 11.17 0.88 8.95% 4.43% 28-Feb-2017 4.97 2.73 12.31 0.97 8.13% 4.02%
31-Dec-2015 25-Feb-2016 31-Dec-2015 4 15,395,790 3,913,993 2,895,945 2,849,509 1,186,589 40,767,812 41.64% 18.81% 6.99% 8,475,636 181.65 158.27 33.62 29.29 14.00 12.20 4.8100 4.19   -8.28% 31-Dec-2015 4.54 2.50 13.50 0.94 7.41% 3.08% 25-Feb-2016 4.25 2.34 12.64 0.88 7.91% 3.29%
31-Dec-2014 27-Feb-2015 31-Dec-2014 4 14,145,924 4,276,423 3,174,557 3,106,808 1,243,386 36,804,236 40.02% 22.44% 8.44% 8,289,242 170.65 145.42 37.48 31.94 15.00 12.78 4.4400 3.78   -31.57% 31-Dec-2014 5.56 3.26 14.83 1.25 6.74% 2.70% 27-Feb-2015 5.95 3.49 15.88 1.34 6.30% 2.52%
31-Dec-2013 25-Feb-2014 31-Dec-2013 4 14,671,835 5,849,229 4,608,822 4,540,403 1,803,441 29,678,805 39.72% 31.41% 15.30% 7,571,123 193.79 150.83 59.97 46.68 23.82 18.54 3.9200 3.05   4.50% 31-Dec-2013 7.62 3.93 12.71 1.94 7.87% 3.13% 25-Feb-2014 7.10 3.66 11.84 1.81 8.45% 3.35%
31-Dec-2012 25-Feb-2013 31-Dec-2012 4 13,494,825 5,638,311 4,396,807 4,344,776 1,739,398 28,419,595 40.03% 32.58% 15.29% 7,439,684 181.39 138.73 58.40 44.67 23.38 17.88 3.8200 2.92   7.79% 31-Dec-2012 7.63 4.21 13.07 2.00 7.65% 3.06% 25-Feb-2013 7.07 3.90 12.11 1.85 8.26% 3.31%
31-Dec-2011 27-Feb-2012 31-Dec-2011 4 12,122,029 5,179,729 4,074,326 4,030,798 1,635,212 26,089,067 40.57% 33.61% 15.45% 7,432,782 163.09 124.62 54.23 41.44 22.00 16.81 3.5100 2.68   15.14% 30-Dec-2011 7.44 4.56 13.72 2.12 7.29% 2.96% 27-Feb-2012 7.14 4.38 13.17 2.03 7.60% 3.08%
31-Dec-2010 25-Feb-2011 31-Dec-2010 4 11,878,203 4,626,717 3,669,887 3,500,803 1,873,946 22,490,238 53.53% 30.90% 15.57% 7,185,379 165.31 122.11 48.72 35.99 26.08 19.26 3.1300 2.31   24.73% 30-Dec-2010 8.50 5.14 17.45 2.72 5.73% 3.07% 25-Feb-2011 8.07 4.88 16.56 2.58 6.04% 3.23%
31-Dec-2009 23-Feb-2010 31-Dec-2009 4 10,483,151 3,811,877 3,047,067 2,806,816 653,076 10,166,809 23.27% 29.07% 27.61% 3,530,142 296.96 107.77 39.76 28.85 18.50 6.71 2.8800 1.05   43.79% 31-Dec-2009 12.84 4.32 16.15 4.46 6.19% 1.44% 23-Feb-2010 12.66 4.26 15.92 4.40 6.28% 1.46%

PBT = Profit before Tax, NP = Net Profit, NP to SH = Net Profit Attributable to Shareholder, Div = Dividend, NP Margin = Net Profit Margin, ROE = Return on Equity, NOSH = Number of Shares, RPS = Revenue per Share, EPS = Earning Per Share, DPS = Dividend Per Share, NAPS = Net Asset Per Share, EOQ = End of Quarter, ANN = Announcement, P/RPS = Price/Revenue per Share, P/EPS = Price/Earning per Share, P/NAPS = Price/Net Asset per Share, EY = Earning Yield, DY = Dividend Yield.


NOSH is estimated based on the NP to SH and EPS. Div is an estimated figure based on the DPS and NOSH. Net Worth is an estimated figure based on the NAPS and NOSH.

Div Payout %, NP Margin, ROE, DY, QoQ Δ & YoY Δ figures in Percentage; RPS, EPS & DPS's figures in Cent; and NAPS's figures in Dollar.

All figures in '000 unless specified.


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  12 people like this.
 
oregami just curious. were u born when it was $3
15/08/2019 6:16 AM
oregami what was the nta that time?
15/08/2019 6:17 AM
oregami can u buy mee sup at 20c now? we r having recession.
15/08/2019 6:22 AM
jguy lol 4. banking was already downtrend since early this year
15/08/2019 6:36 AM
oregami insiders sold 7 8months b4 down cycle. likewise they will buy back 6monts b4 up cycle. study the chart
15/08/2019 6:48 AM
armadasaxon Nice hopefully today crash.
15/08/2019 8:02 AM
oregami cimb niaga result out. no slowdown in Indonesia.
15/08/2019 5:38 PM
patient_invest CIMB has lower dividend than Maybank, why not buy Maybank instead?
15/08/2019 8:23 PM
mobidick In short/medium term, there is nothing going on with cimb, partnership with axiata is still in planning phase, same with takaful which can only see earnings FY20, there is nothing much incentives for cimb, dividend is not as much as other banks also. The philipines thing is also not that good considering the ph ppl is more registering for their partner mobile solution instead of cimb solely.
In september it is likely BNM will cut rate another 25bp, only then we can see which direction cimb going. Price go down for a reason...
16/08/2019 10:47 AM
oregami I think at this price the investment thesis put more weight on value instead of growth. of course 4.5 is more jucy
16/08/2019 11:34 AM
Jururawat Cimb invest in different countries, the most focus in Thailand, Indonesia. The Philippines also better than in Malaysia market bcos younger population. For investor, pls dun too depwnd on local market for the very long term.
16/08/2019 5:12 PM
Jururawat https://www.klsescreener.com/v2/news/view/567946
16/08/2019 6:12 PM
patient_invest I am interested to buy CIMB. But my worry is, did CIMB make loans to Najib's company in the past? If yes, are those loans settled?
17/08/2019 12:17 PM
oregami https://www.youtube.com/watch?v=UPjIzrC_GaU
18/08/2019 6:16 PM
oregami the last 3 min of this video explains rate cut isn't a big deal for bank
18/08/2019 6:17 PM
patient_invest oregami, do you have more videos on Banks? they are very good
thanks
20/08/2019 9:03 AM
mancingbursa Yea..... Harder baby, harder
20/08/2019 4:53 PM
yfchong Spring up
20/08/2019 5:14 PM
Team 30 Looking good here
20/08/2019 5:22 PM
Activetrader ahhh i almost cum ...suck it bitch!
20/08/2019 5:28 PM
Icon8888 My cost 503

Dumb dumb hold pass to my grandson
20/08/2019 6:06 PM
armadasaxon -A+A

CIMB Group Holdings Bhd
(Aug 16, RM5.07)
Maintain buy with an unchanged target price (TP) of RM6.80: The first half of financial year 2019 (1HFY19) net profit for CIMB Group Holdings Bhd’s CIMB Niaga grew by 11.8% year-on-year (y-o-y). The main driver was lower provisions and strong net interest income (NII) growth in second quarter of FY19 (2QFY19).

Net income in 1HFY19 grew 5.7% y-o-y contributed by strong NII growth in 2QFY19 where it expanded 10.9% y-o-y. This was the result of net interest margin improving by 50 basis points y-o-y in the quarter to 5.53% as CIMB Niaga was able to reprice its loans higher. Meanwhile, 2QFY19 non-interest income (NOII) also grew strongly at +8.9% y-o-y causing 1HFY19 NOII to expand 6.3% y-o-y.

Growth in arranger and syndication fees (+96.6% y-o-y to 173 billion rupiah [RM50.99 million]) and foreign exchange and fixed income derivatives (+34.9% y-o-y to 526 billion rupiah) were the main attributors.

Overall gross non-performing loan (NPL) ratio came in at 2.87% as at 2QFY19, compared with 3.04% as at 1QFY19 and 3.39% as at 2QFY18. Improvements came from the commercial and consumer segment. However, we noted that there was an uptick in gross NPL ratio (from 1.1% as at 2QFY18 to 1.8% as at 2QFY19) for the corporate segment. We understand that this was due to one particular account. Nevertheless, this had not made a dent to the overall asset quality.

Loan book rose 2.6% y-o-y to 190.54 trillion rupiah. It was supported by strong expansion in consumer loans where it grew 6.7% y-o-y to 51.11 trillion rupiah. Drilling further, mortgages and credit cards see double-digit growth at 13.5% y-o-y to 31.75 trillion rupiah and 10% y-o-y to 8.94 trillion rupiah respectively. Meanwhile, corporate banking saw its loan book rising 2.1% y-o-y to 71.4 trillion rupiah.

Deposits grew 4% y-o-y to 197.85 trillion rupiah. However, it was led by time and structured deposits which grew 9.3% y-o-y to 91.22 trillion rupiah. This resulted in interest expense growth moderating NII growth.

We make no changes to our forecast pending the group’s 2QFY19 result later this month.

The improvement in CIMB Niaga’s 1HFY19 was as we had expected. We believe that we could see further improvement in 2HFY19 with consumer and small and medium-sized enterprise segments the main key area of focus for FY19. Also, its digital propositions have started to make an impact. We opine that the continuing asset quality improvement in Indonesia will continue to boost CIMB Niaga’s income resulting in more sustainable earnings growth.

Overall, we believe that CIMB Niaga will provide a strong supporting role to the group’s earnings this year. We maintain our “buy” recommendation with unchanged TP of RM6.80 based on pegging its FY20 book value per share at price-to-book value multiple of 1.2 times. — MIDF Research, Aug 16
20/08/2019 9:23 PM
Ricky Kiat bro icon888, why u buy cimb for dumb dumb hold instead of others banks? like maybank or publib bank?
21/08/2019 7:58 AM
Icon8888 sifu Ricky I saw it came down so I bought loh

It is almost risk free if you think about it
21/08/2019 8:15 AM
(HK1997 again) Philip Posted by Icon8888 > Aug 20, 2019 6:06 PM | Report Abuse

My cost 503

Dumb dumb hold pass to my grandson

>>>>>>

I like this sentiment. I also planning the same thing for QL. Most banks in Malaysia are a good bet due to the high savings culture ( also forced by EPF). Maybank is almost 6.55% (72% payout) due to the bad loans it has buy won't affect structurally. Public Bank is down to 20 from the price I sold at 25. CIMB is a good investment, at 4.8%(42%) payout I'm sure it will keep growing is dividends and earnings in the years to come.

Discount day.
21/08/2019 8:18 AM
Icon8888 Good morning sifu Philips

I bought Gkent big time at 108

Dumb dumb hold wait for 2020
21/08/2019 8:20 AM
Icon8888 I follow KYY "buy stocks next year earning likely higher than this year"

I think it applies to Gkent
21/08/2019 8:21 AM
(HK1997 again) Philip I don't really like KYY golden rule concept actually, just because revenue and earnings go up for 2 quarters doesn't make it a golden business. It is better to understand what caused the 2 quarters of price up and what the growth triggers are. Kyy makes too many assumptions ( dayang was a huge example where he makes assumptions of hard profit guarantees from the Petronas provisional contracts)

Gkent was very simple. Just remove all the assumptions.
Gkent/mrcb got money to complete lrt3? Yes.
Gkent work startup, in progress and progress claim started? Yes. ( Slight insider information, but not very important)
Gkent guaranteed contract with government? Yes. 16 billion.
Government got money to pay? Yes.
Gkent profitable company with our without lrt3 contract? Yes ( water meter).
Future r&d expenditure and planning? Yes.
Gkent earnings growth? Yes. Cash positive.
Low debt? Yes.
Good sales team? Yes. ( They sold to both najib and LGE unlike other companies).

Just practise the 15 points scuttlebutt from Philip fisher to get a clear picture of the future.

It is like the casino telling you to put your money on red. And tells you what number to put it on.


>>>>>>

Posted by Icon8888 > Aug 21, 2019 8:21 AM | Report Abuse

I follow KYY "buy stocks next year earning likely higher than this year"

I think it applies to Gkent
21/08/2019 8:44 AM
Ricky Kiat noted :)
21/08/2019 9:05 AM
Icon8888 sifu Philips The two quarters thingy is KYY new golden rule

His old golden rule is Buy stocks that earning next year higher than this year

He has already abandoned this rule but I faithfully hold on to it
21/08/2019 9:14 AM
Icon8888 I think the new golden rule is nonsense

Period
21/08/2019 9:15 AM
(HK1997 again) Philip To be honest I don't like this rule also. One of my biggest misses of all time was Amazon. Amazon after dot-com crash kept piling in all profits and returns growing the business.

It's like that old children's game: 1 cookie now, or 2 cookies tomorrow.

This rule will automatically exclude those businesses which decided to not eat cookies for 10 years for the whole business.



>>>>>>>>

Posted by Icon8888 > Aug 21, 2019 9:14 AM | Report Abuse

sifu Philips The two quarters thingy is KYY new golden rule

His old golden rule is Buy stocks that earning next year higher than this year

He has already abandoned this rule but I faithfully hold on to it
21/08/2019 9:23 AM
Jeffreyteck Est coming Q results will drop yoy. ST before results release 500_520. If results is poorer yoy, 4.80 in anticipation of further interest rate cut as the impact is shown in pbb.
21/08/2019 11:38 AM
armadasaxon Y so stupid 1..go back down
21/08/2019 4:18 PM
JQ Can cimb perform? What's your opinion?
21/08/2019 4:54 PM
oregami don't avg down. wait until 4th Q
21/08/2019 5:10 PM
JQ Trap at 5.30 :(
21/08/2019 5:13 PM
oregami same here but I don si it as trapped. just not cheap enough.
21/08/2019 5:20 PM
armadasaxon Can perform..thai and indo doing quite well..msia might stagnant..with dividend coming..I expect 530
21/08/2019 5:37 PM
gongkia nobody give a sh&t on kyy rules :)
21/08/2019 5:38 PM
Chee Kay Try compare financials info among other like MayBank, PBBank and AmBank. You will understand more about CIMB's situation...
22/08/2019 10:36 AM
JQ How ? What's your view about cimb situation?
22/08/2019 11:40 AM
Icon8888 Bought more CIMB

First batch 503

Second batch 507

Average now 505
22/08/2019 3:03 PM
yfchong Waiting list now....
22/08/2019 4:19 PM
yfchong Worth to hold for 6 months
22/08/2019 4:21 PM
Icon8888 Will be like ambank go up 30 Sen when results out
22/08/2019 4:42 PM
Smallretailer true that. next week is going to be hectic in this counter
22/08/2019 4:47 PM
yfchong Let's huat together....
22/08/2019 5:07 PM
Chee Kay JQ --> Go to Research > Finacials. Check and compare their Revenue , Profit Margin, EPS ect ...
22/08/2019 5:11 PM
JQ I mean how your opinion
22/08/2019 5:18 PM