AFFIN BANK BERHAD

KLSE (MYR): AFFIN (5185)

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Last Price

2.87

Today's Change

+0.01 (0.35%)

Day's Change

2.85 - 2.88

Trading Volume

233,500

Financial

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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 2,149,434 2,098,269 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 659,576 563,230 518,287 1,549,840 703,854 386,711 676,971 674,996 550,699 599,871 514,409 801,065 -4.71%
Tax -160,100 -149,088 -116,096 -224,653 -123,531 -113,863 -160,880 -147,576 -126,261 -135,740 -132,236 -202,563 -5.99%
NP 499,476 414,142 402,191 1,325,187 580,323 272,848 516,091 527,420 424,438 464,131 382,173 598,502 -4.31%
-
NP to SH 499,476 414,142 402,191 1,300,223 526,934 230,322 487,766 503,086 417,855 464,131 369,269 592,677 -4.21%
-
Tax Rate 24.27% 26.47% 22.40% 14.50% 17.55% 29.44% 23.76% 21.86% 22.93% 22.63% 25.71% 25.29% -
Total Cost 1,649,958 1,684,127 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 11,522,335 11,522,335 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 % - 32.11% 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 11,522,335 11,522,335 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 23.24% 19.74% 20.25% 40.19% 25.89% 12.05% 26.72% 27.46% 27.20% 35.04% 21.20% 32.89% -
ROE 4.33% 3.59% 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 89.54 87.41 86.02 152.13 106.17 112.39 97.39 98.84 84.39 68.17 92.77 93.66 -0.94%
EPS 21.09 17.25 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 5.54 5.76 30.39 12.50 3.50 7.00 5.00 2.34 8.32 7.99 15.00 -10.08%
NAPS 4.80 4.80 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 89.54 87.41 82.72 137.36 93.36 94.35 80.47 80.01 65.01 55.17 75.09 75.81 0.97%
EPS 21.09 17.25 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 4.80 4.80 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 30/09/24 30/09/24 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 2.78 2.78 2.08 2.03 1.73 1.84 1.90 2.23 2.31 2.39 2.34 2.90 -
P/RPS 3.10 3.18 2.42 1.33 1.63 1.64 1.95 2.26 2.74 3.51 2.52 3.10 -2.71%
P/EPS 13.36 16.11 11.94 3.38 6.93 16.10 7.73 8.61 10.22 10.01 12.31 9.51 2.55%
EY 7.48 6.21 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 1.99 2.77 14.97 7.23 1.90 3.68 2.24 1.01 3.48 3.41 5.17 -6.69%
P/NAPS 0.58 0.58 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 22/11/24 22/11/24 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 2.89 2.89 2.58 2.07 1.77 1.76 1.78 2.32 2.44 2.49 2.15 2.94 -
P/RPS 3.23 3.31 3.00 1.36 1.67 1.57 1.83 2.35 2.89 3.65 2.32 3.14 -0.50%
P/EPS 13.89 16.75 14.81 3.45 7.09 15.40 7.24 8.96 10.80 10.42 11.31 9.64 4.88%
EY 7.20 5.97 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 1.92 2.23 14.68 7.06 1.99 3.93 2.16 0.96 3.34 3.72 5.10 -8.77%
P/NAPS 0.60 0.60 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 4,129 comments

TheContrarian

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

2024-10-02 09:29

Kim

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

Lets go
Kikiki

2024-10-02 09:42

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

2024-10-03 08:27

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.

2024-10-03 18:27

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.

2024-10-03 19:11

LubeTrader

😄

2024-10-04 11:47

Jonathan Keung

A good one Mr contratrian

2024-10-09 06:32

Eagle77

Awaiting at 2.00 ⬇️🩸

2024-10-10 08:28

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.

2024-10-14 18:12

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.

2024-10-14 20:50

TheContrarian

Forum here so quiet. Where have everyone gone?

2024-10-15 12:25

TheContrarian

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

2024-10-15 17:28

TheContrarian

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

2024-10-16 17:28

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.

2024-10-16 18:21

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?

2024-10-16 21:01

TheContrarian

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

2024-10-16 21:51

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
 

2024-10-22 08:26

TheContrarian

Go, go, go Affin.

2024-10-22 15:19

Ny036

Any dividend will declare this or next month?

2 months ago

nisah395

Ambank already above RM5, Affin still below RM3

2 months ago

mf

Dow Jones

Dow Jones Industrial Average

44,293.13

+304.14

0.69%

Nasdaq

NASDAQ Composite

19,298.76

+11.98

0.06%

2 months ago

Amazing

AFFIN,,,, GOOD BUY !!!

2 months 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

2 months ago

TheContrarian

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

2 months ago

aklobi

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

2 months ago

loribalak

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

2 months ago

nisah395

QR out

2 months ago

KingKKK

AFFIN: Strong Q3, Intrinsic Value RM3.03

https://klse.i3investor.com/web/blog/detail/bestStocks/2024-11-22-story-h474754653-AFFIN_Strong_Q3_Intrinsic_Value_RM3_03

2 months ago

Steve Lomas

When will AFFIN declare dividend?

2 months ago

nisah395

The bank's revenue for the quarter increased by 22.44% year-on-year to RM612.77mil.

PETALING JAYA: Affin Bank Bhd expects the overall outlook for the domestic banking sector to remain favourable for the remainder of 2024 supported by steady loan and financial growth as well as stable asset quality.

In a filing with Bursa Malaysia, the banking group warned competition for deposits is expected to persist and intensify towards the end of the year, which may have implications on the overall industry’s cost of deposits.

1 month ago

TheContrarian

Affin where can fall to RM2? 🤣🤣🤣

1 month ago

TheContrarian

Maybe can fall to RM2.80 but RM2??? 🤣🤣🤣

1 month ago

nisah395

Boustead exits Affin Bank after selling entire 20% stake
By Justin Lim / theedgemalaysia.com
26 Nov 2024, 11:35 pm

1 month ago

James Ng

砂拉越州政府成为最大股东，也采用了新标志，case study: AFFIN BANK
https://klse.i3investor.com/web/blog/detail/general/2024-11-28-story-h475534829

1 month ago

sharemarket21

It's time for the big boys competition. 3-5 years is gonna be exciting for this bank. Accumulation time....

1 month ago

StarOfTheBull

Very ambitious. Which insurance company and bank could be the target?
https://www.sinchew.com.my/news/20241130/finance/6113420

1 month ago

Bursino

Which bank or banks did the Sarawak Government park their Cash? How will it affect these banks should the Sarawak Government decide to transfer all their cash holdings to Affin. Conduct all monetary transactions using Affin as the primary bank.

1 month ago

abcb

Window dressing is coming soon for AFFIN,TP3.20

1 month ago

nisah395

Thanks for sharing

1 month ago

abcb

First move 3.03, follow by 3.14 and lastly will reach destination to 3.28

1 month ago

abcb

Some local institutions started accumulate at 2.93 recently

1 month ago

sharemarket21

Let's go Affin the new conqueror ! 20% target price and Peninsular market share. Straight forward strategy and ROI.

1 month ago

nisah395

Abang Jo bought @5.00, really ?

1 month ago

Amazing

good news coming soon .... be passion and good time to collect now ..

1 month ago

Amazing

https://www.nst.com.my/business/corporate/2024/09/1112718/analyst-raises-affin-target-price-potential-rm4b-sarawak-deposit

1 month ago

DickyMe

You need valid reason to withdraw from KWSP.

4 weeks ago

xiaoeh

why withdraw? must save more instead!!!
by save more into KWSP EVERYBODY can become a millionaire and its risk free
watch this:

https://www.youtube.com/watch?v=SIvzFZI7jYE
100万等着你拿！教你傻瓜式地用EPF成为百万富翁！

4 weeks ago

nisah395

the price still ding-dong here

3 weeks ago

sharemarket21

Alright. Now let's conquer and beat the big boys !

2 weeks ago

TheContrarian

Affin price is now ding, ding, dong ......... ding, ding, dong.

2 weeks ago

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