[REVENUE GROUP BHD：作为未来业务扩展的一部分，该集团打算扩展到东盟市场，他们已经确定了两（2）个潜在的区域扩展国家，即缅甸和柬埔寨]

2Q20 vs 2Q19:
截至2019年12月31日止的本财政季度，集团录得收入2273万令吉（2018年12月31日：1359万令吉）。银丰集团的收入从截至2018年12月31日的财政季的1,359万令吉增加914万令吉至截至2019年12月31日的财政季的2,273万令吉。截至2019年12月31日的本财政季录得的较高收入主要归因于EDC终端对合作伙伴银行的销售额增加了约467万令吉，EDC终端的租赁和维护收入增加了约203万令吉，以及数字支付服务，采购和物流服务带来的额外收入贡献，约339万令吉。

银丰集团在当前财政季度录得479万令吉的PBT（2018年12月31日：333万令吉）。截至2019年12月31日的当前财政季度记录的PBT较高，主要是由于银丰集团业务活动的收入增加。

YTD20 vs YTD19：
在截至目前的财政期间，集团录得3,939万令吉收入（2018年12月31日：2,842万令吉）。集团的收入从截至2018年12月31日的财政期间的2,842万令吉增加了1,092万令吉，至截至2019年12月31日的财政期间的3,939万令吉。截至2019年12月31日的当前财政期间录得的较高收入是主要归因于EDC终端的租赁和维护收入增加了约370万令吉，数字支付服务以及采购和物流服务的额外收入贡献约559万令吉，EDC的终端销售增加了约92万令吉，电子交易处理的收入增加了约83万令吉。截至目前为止，该集团的税前利润为868万令吉。截至2019年12月31日止的当前财政期间实现的PBT较高，主要是由于银丰集团业务活动的收入增加。

2Q20 vs 1Q20:
截至2019年12月31日的当前财政季度，集团增加了608万令吉的收入，主要是由于EDC终端的销售额增加了约577万令吉。截至2019年12月31日的当前财政季度，银丰集团的PBT为479万令吉，高于截至2019年9月30日的上一个财政季度的389万令吉，这主要是由于这季度的收入增加。

前景：
扩展其电子支付网络：
他们的集团打算继续扩大其在马来西亚的电子支付网络，并将继续购买和部署其他具有接受支付卡和Quick Response（“ QR”）支付能力的新数字支付终端。银丰集团目前正在与合作伙伴银行合作，对新的数字支付终端进行开发，测试和认证，并将在各个阶段推出并部署到市场中。

区域扩张：
作为未来业务扩展的一部分，该集团打算扩展到东盟市场，他们已经确定了两（2）个潜在的区域扩展国家，即缅甸和柬埔寨。在这方面，他们将与这些国家和/或已经在这些国家/地区拥有的马来西亚金融机构的当地金融机构或当地行业参与者合作，为各种卡计划提供电子支付处理服务。

增强revPAY和扩大IT团队：
由于IT构成了骨干网，并且是其业务运营不可或缺的一部分，因此对于他们的集团而言，持续增强，升级和维护revPAY平台及其相关软件和系统的可伸缩性以支持其业务扩展和技术进步至关重要。银丰集团一直在寻找IT人才以扩充其IT人员。

增值解决方案和服务：
对Anypay Sd​​n Bhd和Buymall Services Sdn Bhd的收购将使集团能够为其客户提供其他增值解决方案和服务，从而补充集团的现有业务。

研究与开发（“ R＆D”）：
他们的小组正在研究和开发更多的电子解决方案，以与其revPAY集成。他们的解决方案将使他们的客户能够数字化忠诚度计划，奖励兑换，折扣券和礼品卡，账单支付，通过其新的数字支付终端提取商品。他们的小组也在研究和开发包括通过利用人工智能来增强支付安全功能的发行安全性在内的发行技术。

国行正在研究第三次支付改革浪潮，重点是移动支付和QR支付。这导致移动支付交易量从2017年的不足200万笔交易增加到2018年的3400万笔交易，增长了20倍。

2020年1月15日，政府启动了e-Tunai Rakyat计划，该计划向年收入低于100,000令吉的合格18岁及以上的马来西亚人提供一次性RM30的数字刺激，以增加马来西亚人，参与的商人和中小型企业的电子钱包使用数量。

尽管其集团已经制定并开始了一系列未来计划，但由于Covid-19病毒的爆发，当前全球和本地经济有不确定性，该集团在2020年6月30日的表现可能具有挑战性。但是，董事会对于Covid-19病毒爆发的潜在影响持谨慎态度，并将在此不确定的时期期间继续保持警惕地管理其集团的业务。
-----------------------------
James Ng Stock Pick Performance:
Since Recommended Return:

a) FRONTKN (FRONTKEN CORP BHD), recommended on 12 Aug 18, initial price was RM0.715, rose to RM2.27 (dividend RM0.025) in 1 year 6 months 16 days, total return is 221%

b) KKB (KKB ENGINEERING BHD), recommended on 1 Jul 18, initial price was RM0.795, rose to RM1.96 (dividend RM0.04) in 1 year 7 months 27 days, total return is 151.6%

c) MI (MI TECHNOVATION BERHAD), recommended on 2 Jun 19, initial price was RM1.67, rose to RM4.02 (adjusted)(dividend RM0.01) in 8 months 26 days, total return is 141.3%

d) JAKS (JAKS RESOURCES BHD), recommended on 20 Jan 19, initial price was RM0.575, rose to RM1.24 in 1 year 1 month 8 days, total return is 115.7%

e) PRLEXUS (PROLEXUS BHD), recommended on 25 Aug 19, initial price was RM0.455, rose to RM0.71 in 6 months 3 days, total return is 56%

f) PWROOT (POWER ROOT BHD), recommended on 7 Oct 18, initial price was RM1.59, rose to RM2.23 (dividends RM0.113) in 1 Year 4 months 21 days, total return is 47.4%

g) ELKDESA (ELK-DESA RESOURCES BHD), recommended on 18 Nov 18, initial price was RM1.27, rose to RM1.62 (dividend RM0.105) in 1 Year 3 months 10 days, total return is 35.8%

h) TSH (TSH RESOURCES BHD), recommended on 30 Jun 19, initial price was RM0.90, rose to RM1.18 in 7 months 29 days, total return is 31.1%

i) GBGAQRS (GABUNGAN AQRS BHD), recommended on 16 Dec 18, initial price was RM0.80, rose to RM1.01 (dividend RM0.015) in 1 Year 2 months 12 days, total return is 28.1%

j) KGB (KELINGTON GROUP BHD), recommended on 23 Dec 18, initial price was RM0.965, rose to RM1.19 (dividend RM0.018) in 1 Year 2 months 5 days, total return is 25.2%

我希望将我的策略分享给读者，希望他们在阅读后能够表现出色。我正在使用基本面分析（Fundamental Analysis）：

预计公司每年的增长率必须> 14％

我想说服读者学习基本面分析FA以便能从股市赚钱。

我为想从马来西亚股票市场赚钱的读者提供STOCK PICK服务。想订阅我的邮件以从股票市场获取良好回报的人，可以通过jamesngshare@gmail.com 或我的FB页面与我联系。

1)【看懂年报和季报】课程:
11a.m. – 7p.m.，免费茶和咖啡

3月21日星期六：Silka Johor Bahru Hotel, Johor Bahru 7份点心

3月29日星期日：Hotel Sri Petaling, KL 3份点心

4月19日星期日：AG Hotel Penang, George Town 2份点心

2)【股票-实际操作班】课程：
10a.m. – 9p.m.，免费午餐和晚餐

3月22日星期日：Silka Johor Bahru Hotel, Johor Bahru

3月28日星期六：Hotel Sri Petaling, KL

4月18日星期六：AG Hotel Penang, George Town

有兴趣的朋友，可以电邮或PM FB page联络我
email：jamesngshare@gmail.com
电话/Whatsapp : 011 - 15852043

Facebook Group: https://www.facebook.com/groups/jamesinvesting

这个是我的TELEGRAM Group链接，大家可以在这个Group获知何时做Fb live: https://t.me/joinchat/LhwHNhdU1fDgxrSafTrTiw

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这个分享纯属讨论以及领域的分析，买或卖自负。请Like和Share这个post。最终决定永远是你的，谢谢。

James Ng
-------------------------------
[REVENUE GROUP BHD: As part of their future business expansion, the Group intend to expand to ASEAN market and they have identified two (2) potential countries for their regional expansion, namely Myanmar and Cambodia]

2Q20 vs 2Q19:
The Group recorded revenue of RM22.73 million for the current financial quarter ended 31 December 2019 (31 December 2018: RM13.59 million). The Group’s revenue increased by RM9.14 million from RM13.59 million for the financial quarter ended 31 December 2018 to RM22.73 million for the financial quarter ended 31 December 2019. The higher revenue recorded for the current financial quarter ended 31 December 2019 was mainly attributed to the higher sales of EDC terminals to their partner banks by approximately RM4.67 million, increase in the income from the rental and maintenance of EDC terminals by approximately RM2.03 million, as well as the additional revenue contribution from the digital payment services and procurement and logistic services by approximately RM3.39 million.

The Group registered a PBT of RM4.79 million in the current financial quarter under review (31 December 2018: RM3.33 million). The higher PBT recorded for the current financial quarter ended 31 December 2019 was mainly driven by the increase in the revenue from the Group’s business activities.

YTD20 vs YTD19:
For the financial period-to-date, the Group recorded revenue of RM39.39 million (31 December 2018: RM28.42 million). The Group’s revenue increased by RM10.92 million from RM28.42 million for the financial period ended 31 December 2018 to RM39.39 million for the financial period ended 31 December 2019. The higher revenue recorded for the current financial period ended 31 December 2019 was
mainly attributed to the increase in the income from the rental and maintenance of EDC terminals by approximately RM3.70 million, additional revenue contribution from the digital payment services and procurement and logistic services by approximately RM5.59 million, the increase in the sales of EDC terminals by approximately RM0.92 million and increase in income from the electronic transaction processing by approximately RM0.83 million. The Group registered a PBT of RM8.68 million for the current financial period-to-date. The higher PBT achieved for the current financial period-to-date ended 31 December 2019 was mainly driven by the increase in the revenue from the Group’s business activities.

2Q20 vs 1Q20:
For the current financial quarter ended 31 December 2019, the Group recorded a higher revenue of RM6.08 million, mainly attributed to increase in sales of EDC terminals by approximately RM5.77 million. For the current financial quarter ended 31 December 2019, the Group recorded a higher PBT of RM4.79 million as compared to RM3.89 million in the immediate preceding financial quarter ended 30 September 2019 mainly attributed to increase in the revenue during the financial quarter under review.

Prospects:
Expansion of their electronic payment network:
Their Group intend to continue to expand their electronic payment network in Malaysia and will continue to purchase and deploy additional new digital payment terminals with the capability to accept payment cards and Quick Response (“QR”) Payment. The Group is currently working with their partner banks on the development, testing and certification on the new digital payment terminals, which will be rolled out and deployed to the market in various stages.

Regional expansion:
As part of their future business expansion, the Group intend to expand to ASEAN market and they have identified two (2) potential countries for their regional expansion, namely Myanmar and Cambodia. In this respect, they will partner with local financial institutions or local industry player in those countries and/or Malaysian financial institutions that already have presence in these countries to provide electronic payment processing services for various Card Schemes.

Enhancement of revPAY and expansion of IT team:
As IT forms the backbone and is an integral part of their business operations, it is crucial for their Group to continuously enhance, upgrade and maintain the scalability of our revPAY platform and its related software and systems to support their business expansion and technology advancement. The Group is continuously on the lookout for IT talent to expand their IT personnel.

Value-added solutions and services:
The acquisition of Anypay Sdn Bhd and Buymall Services Sdn Bhd will enable the Group to provide additional value-added solutions and services to their customers which will complement the Group’s existing business.

Research & Development (“R&D”):
Their Group is researching and developing more electronic solutions to be integrated with their revPAY. Their solutions will enable their customers to digitalise loyalty programme, rewards redemption, discount coupons and gift cards, bill payment, goods pick up via their new digital payment terminals. Their Group is also researching and developing issuing technology encompassing issuing payment security by leveraging on artificial intelligence to enhance the payment security features.

BNM is looking at the third (3rd) wave of payment reforms focusing on the mobile payments and QR payments. This has resulted in the mobile payment transaction volume increased by twenty-fold from below two million transactions in 2017 to 34 million transactions in 2018.

On 15 January 2020, the Government launched the e-Tunai Rakyat initiative which offered a one-time RM30 digital stimulus to qualified Malaysians aged 18 and above with annual income less than RM100,000 to increase the number of Malaysians, participating merchants and SMEs to use e-wallets.

Whilst their Group has laid down and embarked on a series of future plans, with the current uncertainty in the global and local economy due to the Covid-19 virus outbreak, the performance of the Group for 30 June 2020 may be challenging. However, the Board is cautious on the potential impact of the Covid-19 virus outbreak and will continue to manage the business of their Group with vigilance during this period of uncertainty.
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I wish to share my strategy to readers, hope that they can perform well after reading this. I am using Fundamental Analysis:

the forecasted growth of a company must > 14% per year

I wish to convince readers to learn FA in order to make money from stock market.

I am providing STOCK PICK SERVICE for readers who want to make money from Malaysian stock market. Those who want to subscribe to my mailing list to achieve a good return from stock market, you can contact me at jamesngshare@gmail.com or PM me in my FB page.

This sharing is purely a discussion and analysis of the sector, buying or selling at your own risk. Please Like and Share this post. Final decision is always yours, thank you.

James Ng