@mf, very little material impact

quarterly earning drop is due to higher provisioning for NPL. if the actual NPL is lower, it will be recognized as profit later

I prefer to invest than to trade. Life is easier without associating my emotions to market pricing. lol

any idea when is the ex-date eh ..

Andre Kua,

Loan interest is expense to P&L, that will offset the income and hence the net taxable amount is lower. make sense?

it's important to keep some cash and available credits especially to bid for new projects. Customersndo evaluate.the company cash flow to ensure their financial ability to take up expensive projects.

Interest from loans can help to offset some taxes. it's a smart way to optimise tax.

All smart biz ppl do take up loans and now you know why.

Building up for dividend payment. May able to hold above RM9 after dividend

Will continue to do dollar averaging accumulation. any interim up/downs just noise that I usually ignore. lol

It's impossible to time perfect entry. Focus on good companies with strong corporate governance, excellent market diversification, and strong management. Think of Warren Buffet, think of value investing. Do the Dollar Averaging buy, and will accumulate a decent size over time.

Investing is long term and dollar averaging buying will works quite well. Not perfect but will serve the purpose.

Unless, you are trading then timing the market is important but hey, who can 100% predict the market? After all, Mr Market has his emotional commotion. lol