AFFIN BANK BERHAD

KLSE (MYR): AFFIN (5185)

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Last Price

2.85

Today's Change

-0.01 (0.35%)

Day's Change

2.84 - 2.88

Trading Volume

635,600

Financial

Show?
Last 10 FY Result
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
Revenue 1,998,616 1,985,942 1,985,783 3,297,307 2,241,156 2,264,899 1,931,750 1,920,602 1,560,455 1,324,430 1,802,492 1,819,813 0.97%
PBT 586,112 465,686 518,287 1,549,840 703,854 386,711 676,971 674,996 550,699 599,871 514,409 801,065 -4.71%
Tax -128,532 -96,910 -116,096 -224,653 -123,531 -113,863 -160,880 -147,576 -126,261 -135,740 -132,236 -202,563 -5.99%
NP 457,580 368,776 402,191 1,325,187 580,323 272,848 516,091 527,420 424,438 464,131 382,173 598,502 -4.31%
-
NP to SH 457,580 368,776 402,191 1,300,223 526,934 230,322 487,766 503,086 417,855 464,131 369,269 592,677 -4.21%
-
Tax Rate 21.93% 20.81% 22.40% 14.50% 17.55% 29.44% 23.76% 21.86% 22.93% 22.63% 25.71% 25.29% -
Total Cost 1,541,036 1,617,166 1,583,592 1,972,120 1,660,833 1,992,051 1,415,659 1,393,182 1,136,017 860,299 1,420,319 1,221,311 2.92%
-
Net Worth 11,078,513 11,078,513 10,919,195 10,252,015 9,837,087 9,270,046 9,322,647 8,666,526 7,877,566 6,683,743 8,276,961 7,927,229 3.61%
Dividend
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
Div - 132,969 132,969 658,686 263,870 70,532 138,847 97,158 43,271 161,653 155,241 291,442 -8.34%
Div Payout % - 36.06% 33.06% 50.66% 50.08% 30.62% 28.47% 19.31% 10.36% 34.83% 42.04% 49.17% -
Equity
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
Net Worth 11,078,513 11,078,513 10,919,195 10,252,015 9,837,087 9,270,046 9,322,647 8,666,526 7,877,566 6,683,743 8,276,961 7,927,229 3.61%
NOSH 2,400,486 2,400,486 2,346,488 2,273,889 2,124,062 2,079,791 1,986,020 1,943,167 1,942,948 1,942,948 1,942,948 1,942,948 2.11%
Ratio Analysis
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
NP Margin 22.89% 18.57% 20.25% 40.19% 25.89% 12.05% 26.72% 27.46% 27.20% 35.04% 21.20% 32.89% -
ROE 4.13% 3.33% 3.68% 12.68% 5.36% 2.48% 5.23% 5.80% 5.30% 6.94% 4.46% 7.48% -
Per Share
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
RPS 84.97 84.43 86.02 152.13 106.17 112.39 97.39 98.84 84.39 68.17 92.77 93.66 -0.94%
EPS 19.46 15.68 17.42 59.99 24.96 11.43 24.59 25.89 24.00 27.50 19.01 34.52 -7.31%
DPS 0.00 5.65 5.76 30.39 12.50 3.50 7.00 5.00 2.34 8.32 7.99 15.00 -10.08%
NAPS 4.71 4.71 4.73 4.73 4.66 4.60 4.70 4.46 4.26 3.44 4.26 4.08 1.65%
Adjusted Per Share Value based on latest NOSH - 2,400,486
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
RPS 83.26 82.73 82.72 137.36 93.36 94.35 80.47 80.01 65.01 55.17 75.09 75.81 0.97%
EPS 19.06 15.36 16.75 54.16 21.95 9.59 20.32 20.96 17.41 19.33 15.38 24.69 -4.21%
DPS 0.00 5.54 5.54 27.44 10.99 2.94 5.78 4.05 1.80 6.73 6.47 12.14 -8.34%
NAPS 4.6151 4.6151 4.5487 4.2708 4.098 3.8617 3.8836 3.6103 3.2817 2.7843 3.448 3.3023 3.61%
Price Multiplier on Financial Quarter End Date
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
Date 28/06/24 28/06/24 29/12/23 30/12/22 31/12/21 31/12/20 31/12/19 31/12/18 29/12/17 30/12/16 31/12/15 31/12/14 -
Price 2.49 2.49 2.08 2.03 1.73 1.84 1.90 2.23 2.31 2.39 2.34 2.90 -
P/RPS 2.93 2.95 2.42 1.33 1.63 1.64 1.95 2.26 2.74 3.51 2.52 3.10 -2.71%
P/EPS 12.80 15.88 11.94 3.38 6.93 16.10 7.73 8.61 10.22 10.01 12.31 9.51 2.55%
EY 7.81 6.30 8.38 29.55 14.43 6.21 12.94 11.61 9.78 9.99 8.12 10.52 -2.49%
DY 0.00 2.27 2.77 14.97 7.23 1.90 3.68 2.24 1.01 3.48 3.41 5.17 -6.69%
P/NAPS 0.53 0.53 0.44 0.43 0.37 0.40 0.40 0.50 0.54 0.69 0.55 0.71 -5.17%
Price Multiplier on Announcement Date
AQR T4Q 31/12/23 31/12/22 31/12/21 31/12/20 31/12/19 31/12/18 31/12/17 31/12/16 31/12/15 31/12/14 CAGR
Date 23/08/24 23/08/24 29/02/24 27/02/23 28/02/22 26/02/21 27/02/20 28/02/19 28/02/18 28/02/17 26/02/16 26/02/15 -
Price 3.23 3.23 2.58 2.07 1.77 1.76 1.78 2.32 2.44 2.49 2.15 2.94 -
P/RPS 3.80 3.83 3.00 1.36 1.67 1.57 1.83 2.35 2.89 3.65 2.32 3.14 -0.50%
P/EPS 16.60 20.60 14.81 3.45 7.09 15.40 7.24 8.96 10.80 10.42 11.31 9.64 4.88%
EY 6.02 4.85 6.75 28.98 14.10 6.49 13.81 11.16 9.26 9.59 8.84 10.38 -4.66%
DY 0.00 1.75 2.23 14.68 7.06 1.99 3.93 2.16 0.96 3.34 3.72 5.10 -8.77%
P/NAPS 0.69 0.69 0.55 0.44 0.38 0.38 0.38 0.52 0.57 0.72 0.50 0.72 -2.94%

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 ⃤ & YoY ⃤ figures in Percentage; RPS, EPS & DPS's figures in Cent; and NAPS's figures in Dollar.

All figures in '000 unless specified.

Discussions
4 people like this. Showing 50 of 4,107 comments

mf

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1 month ago

dompeilee

I sold all my 6-year holding in Affin @ just below $3 & was regretting it for a while, but that regret disappeared yesterday...

1 month ago

Kim

RM2.90
RM3.00

Dont want now?
heheh

1 month ago

Kim

Lets catalysts sour grapes it except CIMB +)
I support CIMB RM4.30

My TP RM5
hahaha

1 month ago

Kim

RM2.89 to hit first
Come fast =)

1 month ago

Kim

Going to breach 2.85 line immediate. Boom it.

1 month ago

TheContrarian

Shhhhhhhhhhhhhhhhh 🤫

1 month ago

Kim

Psttt
Pfttt

Kikiki

3 weeks ago

Kim

4pm onwards 🚀🚀🚀

1 month ago

TheContrarian

Shhhhhhhhhhhhhhhhh 🤫

1 month ago

Bursino

Can it take the 2.85 weight? If cannot can drop to 2.50!

1 month ago

TheContrarian

Drop to 2.50? Hahahahahahaha.

0 seconds ago

Kim

lets gooo
kikiki

1 month ago

Kim

adding 2.86

1 month ago

TheContrarian

But, but, but ..... someone said might drop to 2.50 ........ hahahahaha.

0 seconds ago

Bursino

Yesterday CIMB called Affin a BUY and their arithmetic on fair value is 4.30. Four dollar thirty sen. Only thing CIMB didn't say when can hit 4.30.

1 month ago

Kim

sailang 2.86

1 month ago

Kim

kikiki lets fly

1 month ago

Bursino

You people very cun-lah. One knows it will drop no further. Another knew it will fly. 🤗

3 weeks ago

Jonathan Keung

Technical rebound will continue. Highly oversold position

1 month ago

TheContrarian

Technical rebound? What technical rebound?

1 month ago

Income

https://youtu.be/Kzo3kQEh_3s?si=mFNiq0fHdfWHlj4S

1 month ago

TheContrarian

Already 4 days has lapsed since the signing of the S&P last Friday. Abang Jo hasn't announced the purchase consideration .......... because Abang Jo doesn't know, hahaha 🤣🤣🤣

1 month ago

Kim

Today is the day =)
Going like missiles Iranian 🔥
New shareholders on the way

RM2.95
RM2.98
RM3.05

1 month ago

TheContrarian

Spartans ....... onwards! Go, Spartans, go!

1 month ago

Kim

Adding and absorbing 2.87
Going to breach 2.89 ---> RM2.93

Lets go
Kikiki

1 month ago

Plantermen

Sentiment affected by Iran counter strike retailation against Israel overpay. Technically wallstreet have more or less down play the ongoing escalation the Middle East conflict. Israel is aware Iran is a big military power block In the Middle East

1 month ago

TheContrarian

In Sarawak's heart, where rivers flow,
A leader's hand, a steady show.
Abang Jo, a name renowned,
Affin's shares, now firmly bound.

With wisdom gained and experience keen,
A corporate realm, a vibrant scene.
A takeover, a strategic move,
A future bright, for all to groove.

Though challenges lie ahead, it's true,
Abang Jo's guidance, will see it through.
Affin's shares, a promising sight,
A beacon of hope, shining bright.

1 month ago

TheContrarian

Shorted and scorned, a fallen star,
Affin's worth, concealed so far.
But in the depths, a spark ignites,
A phoenix rising, shining bright.

With every doubt, a strength grows deep,
A silent force, a future's keep.
The market's game, a fickle test,
But Affin's spirit, stands the best.

A day will dawn, a tide will turn,
The short-sellers' schemes will burn.
Affin's ascent, a glorious sight,
A beacon of hope, shining bright.

1 month ago

LubeTrader

😄

2024-02-20 13:06

Jonathan Keung

A good one Mr contratrian

2024-02-20 13:43

Eagle77

Awaiting at 2.00 ⬇️🩸

1 month ago

TheContrarian

Once scorned and shunned, a stock so low,
Affin, undervalued, a painful blow.
Short sellers flocked, their bets were made,
A downward spiral, a fearful trade.

But tides can turn, markets can mend,
Affin's worth, it starts to ascend.
Rumors spread, a catalyst's gleam,
Short sellers panic, their profits scream.

Buybacks begin, a hasty retreat,
The downward spiral, a painful defeat.
The tables turn, the tide has swayed,
Affin's value, no longer delayed.

2024-04-02 17:20

TheContrarian

Beneath the skies of Sarawak's grace,
A leader stands, with wisdom's trace.
Abang Jo, a name renowned and bright,
Will guide Affin towards a shining light.

With steadfast hand and heart of gold,
He'll steer the bank, a tale untold.
Affin's future, secure and grand,
Under his guidance, across the land.

The share price, a soaring bird, will fly,
As trust and confidence multiply.
Investors' faith, a beacon's gleam,
Will fuel Affin's prosperous dream.

2024-05-07 10:13

TheContrarian

Forum here so quiet. Where have everyone gone?

1 month ago

TheContrarian

Yesterday Affin closed 4 sen higher, today another 4 sen higher. Will tomorrow see another 4 sen gain?

1 month ago

TheContrarian

Monday Affin closed 4 sen higher, yesterday closed another 4 sen higher, today 6 sen higher.

1 month ago

TheContrarian

A gem oft overlooked, a stock unpraised,
Affin, undervalued, its worth unrazed.
But tides are turning, a shift in the air,
Affin's share price, poised to declare.

From shadows of doubt, it starts to ascend,
A beacon of hope, a trend to transcend.
Investors awaken, their eyes now see,
The potential within, wild and free.

With every tick up, a whisper of cheer,
Affin's ascent, dispelling all fear.
A journey of growth, a story untold,
A tale of resilience, a future bold.

1 month ago

TheContrarian

Affin closed 4 sen up on Monday, another 4 sen up on Tuesday and 6 sen up today. Tomorrow will Affin close another 6 sen up?

1 month ago

TheContrarian

Several people recently boldly said that Affin will crash to RM2, hahaha 🤣🤣🤣

1 month ago

Dehcomic01

Affin – will a change of shareholders improve performance

The performance of Bursa banking group Affin over the past 12 year was nothing to shout about. Its performance, measured against a panel of 10 Bursa Malaysia banks, is below the sector median across key metrics such as returns, efficiency, and loan performance. However, it has improved its capital adequacy ratio.

But I would not consider Affin is a value trap as it remains profitable with a margin of safety over 30% based on the asset value. However, it lacks a sufficient margin of safety under the earnings value.

The Sarawak State Government has recently acquired a substantial stake in the bank. There is hope that the state would divert its funds to Affin thereby improving its deposits and hopefully grow its loans. But if the challenge is efficiency and loan performance, I am not sure whether there would be a quantum leap in performance. For more insights refer to page 20 of INVEST

https://notice.shareinvestor.com/email/newsletter/invest/pdf/Vol229-Invest-18Oct.pdf
 

1 month ago

TheContrarian

Go, go, go Affin.

1 month ago

Ny036

Any dividend will declare this or next month?

2024-07-23 16:00

nisah395

Ambank already above RM5, Affin still below RM3

2 weeks ago

mf

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1 month ago

Amazing

AFFIN,,,, GOOD BUY !!!

1 week ago

loribalak

Careful guys. Must look at the quality of the profits. If profitability is maintained by reversing provisions instead of the normal course of business... then it is bad news

3 days ago

TheContrarian

After having sold at RM3.00 end of October, it's time to buy back tomorrow.

3 days ago

aklobi

Overbought, speculative, price not justified, waiting for RM2 or around

2 days ago

loribalak

Yes RM2 would be a good buy. It will take quite a while for Sarawak to clean up Affin

1 day ago

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