sorry, i mean Mortgage interest rate

Before rate cut
Current account interest = 0.3%
Mortgage interest = 4.8%
Net interest margin = 4.8%-0.3%= 4.5%

After rate cut
Current account interest = 0.3%
Mortgage interest = 4.5%
Net interest margin = 4.5%-0.3%= 4.2%

Maybank's profit will fall

Since Maybank get a lot of interest free money from Current account, and a drop in loan rate will definitely affect its earning

Bank negara cut interest by 0.25%. How much will it impact the Net Interest Margin of Maybank?

Why Maybank share price is so low, that the dividend yield can hit 6%? other banks like CIMB, RHB, HL are getting between 3 to 4%

Is investor predicting some disaster coming for Maybank?

can the Moderator ban Calvin Teng? such a nuisance. Go play with your SGX

RainT are you sure it's to the bank?
Read this one
https://themalaysianreserve.com/2018/04/24/tehs-successor-at-public-bank-awaiting-bnms-nod/

Anyone know why HL has way better NPL compared to Maybank? Maybank's NPL sucks. Seems like they anyhow give loans.

The risk for PBB is that if Teh retires, not sure if Bank negara will grant banking license to his successor. If not, probably PBB has to be sold to another bank. Then PBB's result will be badly affected.

Maybank has the highest Non performing loan right? because they have poor screening policy?

If Hyflux default on the $2b loan, how bad will Maybank get affected?

For the past 10 years, seems like HL has much better performance compared to Public bank in terms of Dividend & Net Profit growth. Why is Public bank given way more attention?

boost, can i get your email? would like to work with you on Genting. I plan to increase investment in Genting

Singapore reit is also hopeless. Many empty office and warehouse waiting for tenants, as MNC start shifting out to Malaysia and India

Is Maybank a better investment compared to Public bank? the valuation looks way cheaper
for the past 5 years, both public bank and maybank grow about the same rate in terms of net profit

But public bank is selling at very high PE

Is there any other stock invest forums in Malaysia that is thread-based? this place is more for chit-chat

the dividend is very good. the problem is that the management is poor at generating growth
for the past 5 years, Public bank has much higher growth in net profit than Maybank.

thanks Skyu for the helpful answer

Why Gen Malaysia is investing in new york? is USA market already very saturated?

Gen Berhad exposure to Gen Sg is about 50%. Right now China clamp down on capital outflow. the limit is only US $50k per person.

Looks like the VIP segment will be depressed for a period of time. Gen Berhad is definitely a poor buy

There seems to be an oversupply of houses in Iskandar johor. Is Sunway making the right decision to invest so heavily in the market?
China is building massive forest city with tens of thousands of units. UEM, PPB, Marsing are also in the party. Is there enough jobs to support the housing market?

Is Dialog complementing or competing with Singapore's Jurong island? It looks like its eating into Singapore's share for bunkering

Has anyone tried to the banking service of Maybank? I personally think it sucks. The admin seems half awake & not interested to do business.

If you email them online, they will route your email to multi departments. Round & round, and you will never get answer. Why invest in this company? the share price is stagnant for the past 10 years.

Public bank has 90% business in Malaysia. Is there any chance that the government stop granting banking license to the successor, after the founder pass away? then force acquire it.

Gen Berhad seems to be a Poor investment, compared to Gen Malaysia. there's too much dependence on Gen Singapore (which is saturated and going downhill in profits). Are you all investing in Berhad for the hope for Japan casino?

If there are only 3 license given by Jap government, Sands, Galaxy & Wynn are going to get it first right? (Big brother eat first). Gen Singapore may only stand a chance if there are more license.

happy123, side track to talk to about Gen Sg. Do you think it has already reach max potential? Sg government seems to force to it make poor ROI investment to feed the local economy, in exchange for 10 more year license.

10 years later, the gov may extort another $5b from Genting. This will greatly harm the return of shareholders.

boost, thanks for the advice
for long term, how much do you estimate the per share earning & what's a reasonable price for this company?

Got it boost

EBITDA up 22%
Net profit flat

Net cash from Operation up 8.5%

To be conservative, how much do you think the company's actual net profit has grown
As the reported net profit may include certain items like aggressive depreciation, or one-off items.

Is there any part in the report that says: Revenue is net of Casino tax ?
I am trying to find, but couldn't. Please help

there's no way to track casino revenue. unless the government put 1 person to stand beside every single table, 24 hours a day right?
somemore all the transactions are in Cash. How to track cash?

boost, do you think the "higher win rate" was due to --- reduction in under-table money paid to Najib government?

boostmy, the first quarter revenue is 1.9b.
Is 1.9b before or after Casino tax? thx