【RCECAP 9296 交流专区】RCE资本

我最大

原帖由 Mr.Business 于 9-8-2007 10:43 AM 发表
这消息太好了！！

PS：补充消息来源。
http://www.orientaldaily.com.my/news_item.asp?NewsID=14843

好消息哦！ 有财大家齐齐发吧！

Mr.Business

顺便公布我的portfolio，以股价计算，我的portfolio:
1. RCE - 65%
2. Titan - 18%
3. Melewar - 17% (投机)

如果我要再买进，我会选择买进RCE。至于Titan，我还是认为她的赚利受油价影响，新厂又是在2008年才开始生产，所以暂时不会再买进。

我最大

原帖由 Mr.Business 于 9-8-2007 11:05 AM 发表
顺便公布我的portfolio，以股价计算，我的portfolio:
1. RCE - 65%
2. Titan - 18%
3. Melewar - 17% (投机)

如果我要再买进，我会选择买进RCE。至于Titan，我还是认为她的赚利受油价影响，新厂又是在200 ...

哦！那么看好RCECAP？看来Mr.Business 即将发财了！
先恭喜您！

mjchua

原帖由 Mr.Business 于 9-8-2007 11:05 AM 发表
顺便公布我的portfolio，以股价计算，我的portfolio:
1. RCE - 65%
2. Titan - 18%
3. Melewar - 17% (投机)

如果我要再买进，我会选择买进RCE。至于Titan，我还是认为她的赚利受油价影响，新厂又是在200 ...

不知道今天是否可以重回 RM1 ?

mjchua

全部大筆的 buyer  和 seller 都消失了...  

Mr.Business

一些合作社的新闻：

不知道这"森華校教師多元化合作社"给予的贷款利息是多少？我觉得她的利息应该不会算的很高。

XXXXX

更新: June 16, 2007 22:55

吳紹閥吁華校教師合作社
善用資金為國育才
（芙蓉17日訊）馬華亞沙區國會議員拿督吳紹閥表示，森華校教師多元化合作社擁有250萬令吉雄厚存款，如果這些資金沒有善加使用，就會顯得可惜，甚至是損失。

他也說，既然該社目前面對不知如何善用手中基金投資，何不考慮將資源投資在社會未來棟樑身上，為國家培育英才。

他說，如果要獲得更高回酬，董事部必須拿這些錢進行高風險投資；然而社會上豈有肯定賺錢的生意，要賺更多利潤的生意，面對的風險肯定越高。

“由于這些款項都是來自社員，相信董事部在作出任何投資時肯定會感到壓力；如果不願冒險投資，那么從母金吸取的利潤肯定就會少。”

所以，他建議該社提高社員子女貸學金的數額，讓學業優秀子弟有機會到外國深造，選讀本身所響往的科系課程。

吸引社員貸款

吳紹閥今早在芙蓉培華小學禮堂，受邀為森華校教師多元化合作社常年社員大會主持開幕儀式時，在會上發表談話。

較早時，森華校教師多元化合作社主席趙志光致詞時指出，該合作社在今年的分配股息為1.5%，較去年同時期增加0.5%。

他說，雖然今年股息並不是他們所期待的成績，但也不是董事會不努力投資；該合作社來源，都是靠貸款和銀行定期存款利息，因為面對少人貸款，以及銀行利率偏低，無形中就影響到股息的分發。

他表示，為了吸引社員貸款，當局已作出各方面的調整，包括免除福利金、免除擔保人，甚至考慮提高貸款的數額。

http://chinapress.com.my/content_new.asp?dt=2007-06-17&sec=local&art=0617ls08.txt

小散户

原帖由 Mr.Business 于 9-8-2007 11:05 AM 发表
顺便公布我的portfolio，以股价计算，我的portfolio:
1. RCE - 65%
2. Titan - 18%
3. Melewar - 17% (投机)

如果我要再买进，我会选择买进RCE。至于Titan，我还是认为她的赚利受油价影响，新厂又是在200 ...

RCE 平均价多少? 我的可贵了...RM 1.04

Mr.Business

一些合作社的新闻：

这"人民合作社"有2萬4000名社員，计划推展“公務員貸款計劃”，從中獲取收益。
Hmmm...这消息可能要研究研究。。。

"人民合作社"的网站: http://www.korakyat.com.my/

更新: June 17, 2007 17:44

李家全促人民合作社
開拓傳銷事業
（吉隆坡17日訊）衛生部政務次長拿督李家全今日促請人民合作社，探討更行得通的營業方針，並通過社員力量，達致雙贏局面。

他表示，若該社成功找到行得通的經營版圖，將是帶動社務全面發展的原動力。除了為該社賺取更高回酬，社員也可從中受益。

他舉例，傳銷事業是項可行得通的版本，國內很多上市公司以傳銷業為主。而且，人民對保健需求也日益增加。

李家全今日出席人民合作社2007年度常年代表大會后，在記者會這麼表示。

出席者有人民合作社董事主席拿督楊集東。

李家全透露，已屆樂齡的社員可憑藉傳銷事業，提升他們的心靈健康，這也有助于消除樂齡人士的憂郁症狀。當他們有生活寄托時，就不會產生心靈空虛，進而引發憂郁症。

他說，人民合作社于1973年成立，當時只有200名會員。至今在社務不斷擴充下，社員人數也增至2萬4000人。

李氏說，合作社會員平分權力，共享合作社賺取的收益。在此概念下，社員是合作社的重要資產。

楊集東：尋求大會通過
推展公務員貸款計劃

人民合作社董事主席拿督楊集東今日表示，該社今后將集中精力展開“公務員貸款計劃”，申請土地開發油棕種植、產業投資及家庭用品與保健品傳銷事業。

他說，獲得社員委托負責管理社務的董事部，一直秉持穩健的經營策略，確保為合作社帶來盈利，以回饋社員。

楊集東在人民合作社2007年度常年代表大會，致詞時這麼表示。

他說，經過深入研究、探討與調查，決定尋求大會通過推展“公務員貸款計劃”，從中獲取收益。

他指出，過去的8年，董事部通過收回欠債到財務趨向穩定，並購置社所及進行投資產業收租，賺取收益，一步一腳印地希望回饋社員；董事部的決策謹慎，並確保符合社員利益。

針對在1999年該社重組時，獲得財政部分配100萬股大馬機場股票，楊集東表示，當年該社曾投資250萬令吉，股市上市時曾曇花一現地沖破每股4令吉股值，過后7年處于低迷狀況，最低價格是1令吉35仙。

他說，所幸，大馬機場投票于去年10月開始上揚，于是董事部決定逐步脫售所持股票，終于今年5月中旬全部售完。

楊集東披露，歷年來，該社獲得大馬機場股票股息30萬令吉，而售股益利35萬令吉，合共65萬令吉。

http://chinapress.com.my/content_new.asp?dt=2007-06-18&sec=mas&art=0618mc66.txt


XXXXX

哦，这"人民合作社"的理事全部都是华人。。。

马来西亚人民合作社复选董事　杨集东蝉联主席职
2007年07月04日 14:49 来源：中国侨网

    中国侨网消息：据马来西亚《星洲日报》报道，马来西亚人民合作社原任主席杨集东，在7月3日举行的人民合作社复选董事会议上，再度蝉联主席职；不过，秘书与财政职位出现对调，新任秘书为苏秀荣，而财政是郑启宗。

　　原任副主席刘金发与陆镇鸿也成功蝉联原职，而蔡甲午与邱瑞昆再度出任执行董事。

　　杨集东披露，他感谢董事们自2001年起支持他出任主席，并在全体董事的紧密团结与合作下，使到该社的资产从200多万林吉特增加至600多万林吉特。

　　他期望在未来推动“公务员贷款计划”、传销业及土地开发计划，包括种植与建屋计划，以累积更多资产。

　　人民合作社(2007至2008年)新届理事会：

　　主席：杨集东。副主席：刘金发、陆镇鸿。秘书：苏秀荣。财政：郑启宗。执行董事：蔡甲午、邱瑞昆。

　　董事：王钼灵、钱开丰、徐正海、谢清发、许钦荣、叶祚辉、冯耀荣、黄聪彦。

http://www.chinaqw.com.cn/hqhr/stzx-yz/200707/04/78379.shtml


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人民合作社將落實 公務員貸款投資計劃

（吉隆坡訊）人民合作社董事主席拿督楊集東說，人民合作社將專注推動已獲准證但多年仍未落實的“公務員特別貸款計劃”投資活動。

他說，特別貸款計劃將對原有會員，提供某些方面的便利。

他披露，這項計劃將通過為公務員提供貸款，由Angsana從公務員薪金中扣除償還貸款的方式展開，若一切順利，合作社將從此計劃獲取相當高的收益；國內許多合作社對此實踐，證明了這一點。

他在2007年人民合作社常年代表大會上說，2001年合作社雖獲得Angsana准證，可進行在屋業項目的公務員特別貸款計劃，但未能真正落實。

“因此，為使計劃合法及符合合作社章程，董事部在週日大會提呈一項增訂貸款條例提案。”

另一方面，楊集東說，新山皇后花園於2001年發生一宗抵押給該合作社的產業被變賣，迄今5年半，董事部歷年來通過多方面尋求協助，以取回產業保障該社的利益。

“警方於2006年12月1日，在報章發佈新聞要涉案者投案查辦，可是半年來未有結果，因此，該合作社正與警方聯絡，洽詢允許該社董事部發出懸賞花紅，希望早日水落石出結束此案。” （星洲日報•2007.06.17）

http://jbtalks.cc/viewthread.php?tid=193358

http://www.sinchew.com.my/content.phtml?sec=1&sdate=&artid=200706171162


XXXXX

陈记光：集中投资齐发展
小型合作社应合并  

吉隆坡22日讯-土地及合作社发展部副部长陈记光医生，鼓励国内小型合作社合并，使投资力量更集中，取得更好的投资发展。

他说，所谓小型合作社是指会员200至300名之间的合作社，而国内约4千间合作社中，大部分是小型的。目前的经济局势，资金不足难以进行投资活动。

“政府并不是强迫合作社合并，而是小型的合作社无法在现实中生存，目前国内银行也有第二波的合并活动，这是经济局势所趋。”

合作社可申请贷款
另外，他指出，最近财政部也通过增加5千万零吉拨款给该部门的合作社发展局的资本周转基金，使原有1亿5千万零吉的基金增至2亿零吉。合作社可向这基金申请贷款协助。

“政府这项拨款的目的是加强合作社的活动，使合作社继政府及私人界后，成为国内商业第三领域。”

他说，要申请这项基金的合作社，可向该部门的各州总监提出申请及计划书，由该部门官员审查投资的商业活动。他指目前的偿还率达理想水平，目前已有18％的申请通过审核。

合作社下月办庆典
陈记光是主持人民合作社2003年代常年代表大会开幕礼后，在记者会上这么说。出席者包括该合作社主席拿督杨集东、大马合作社发展局总监拿督巴沙里、联邦直辖区合作社发展局副总监珠丽达等。

陈记光说，以我国2千300万人口计算，除去约7百万名学生，国内有1千400万人是合作社的潜在社员，是个相当大的市场。

他指出，合作社风暴后，合作社的活动被冻结14年，最近才重新活跃，但目前已取得不错的发展，他举例，人民银行合作社经过80年代的合作社风暴后，目前表现良好，今年股息也高达15％，这比今年公积金的4.5%高得多，联邦土地发展局的合作社也每年至少派息12％。

此外，他说，7月21日是国家合作社日同时也是世界合作社日，今年的庆典将于槟城甲抛?底举行，并由副首相拿督斯里阿都拉巴达威主持开幕，希望全国将会有4千名合作社代表出席。

载自 南洋商报 22-06-2003

http://www.mytrade.com.my/MALAYSIA/NEWS/Y2003/M06/News_200306142.htm

                        

                        

[ 本帖最后由 Mr.Business 于 9-8-2007 11:42 AM 编辑 ]

Mr.Business

一些合作社的新闻：

武裝部隊房屋合作社
與本地兩發展商簽約
發展六百單位房屋供退役軍人
2004-12-05 16:33:48

【亞庇四日訊】大馬武裝部隊房屋合作社的成立，是協助會員解決在退役後面對之房屋住宿的問題，而與本地之發展商合作發展房屋，使退役之會員能購得本身的房屋。

武裝部隊房屋合作社今天在亞庇二間本地發展商日光建築有限公司及金沙建設在沙巴發展約六百單位之公寓計劃，為該合作社會員提供所需之房屋。

武裝部隊房屋合作社是由該社主席阿末杜巫迪賓查阿華代表，日光建築有限公司是由該公司董事經理林克明，以及金沙建設是由該公司董事經理吳華山代表簽署二份備忘錄。大馬武裝部隊合作社房屋部總監沙里胡丁哈蘭阿斯哈亦出席該簽約儀式。

大馬武裝部隊房屋合作社主席阿末杜巫迪賓查阿華向傳媒表示，該合作社全國約有八千名社員，而沙巴有一千名。該合作社是為了協助社員在退役後面臨房屋住宿之問題，因而與私人發展商合作，並協助安排社員向政府貸款，以購得本身之房屋。他說，每一名社員可向政府取得八萬至十萬令吉之貸款購買，該合作社將為社員作出一切之安排，包括為社員繳付二千令吉之按櫃金。

他表示，由日光建築有限公司在兵南邦發展之一百三十九個單位之公寓店鋪以及在斗亞蘭之美麗園已全部售出。接下來的在兵南邦發展六百單位之四層樓公寓。

他指出，該合作社亦將安排在西馬服役之沙巴軍人在該項房屋計劃下，在沙巴購屋，以使他們在退役後不會面臨房屋住宿之問題。這也是提升軍人福利的措施之一。

http://www.founder.net.my/ocdn/news.php?newsid=8240

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公務員竄改糧單俾獲取貸款
沙閩消協促請州公共服務局
採紀律行動對付
2006-01-09


【亞庇八日訊】沙巴及納閩消費人協會呼籲州公共服務局採取紀律行動對付企圖竄改糧單資料以獲取貸款的本州公務員。
該會監督貸款、金融及分期付款公司小組主任諾汀達尼說，該會全力支持全國公共服務局總監拿督斯里依斯邁阿當的言論，即採取紀律行動或革職行動對付企圖竄改糧單資料以向合作社獲取貸款的聯邦公務員。
他說：「我們促請州公共服務局向全國公共服務局看齊。」
指州公務員借貸過度情況嚴重，他說吧巴縣議會最近曾邀請縣內的合法貸款公司、金舖及典當業者與沙巴及納閩消費人協會進行對話以了解實情，因為有報告指沙巴公務員之貸款扣薪已超出薪金之六十巴仙頂限，為全國之冠。
與會者包括沙巴及納閩消費人協會主席拿督巴特力辛都、吧巴縣議會執法單位官員和吧巴中華商會會長，對話會在該縣議會會議廳舉行。
據諾汀指出，在會上被提出討論的共同課題，乃一些公務員企圖竄改糧單資料，以便能在攤還一筆貸款的同時，向另一家合法貸款機構獲取貸款，若行不通則向「阿窿」借款。他說，情況已經嚴重到一個人同時向二到三家貸款機構貸款，而他們的入息根本就不夠攤還，結果家庭陷困，也影響貸款機構。
他說：「一旦無法攤還貸款，他們便躲在家中或辦事處逃債，不敢出門。一些人甚至將銀行戶口關掉。」
他說：「公務員借貸過度的情況已經相當嚴重，必須馬上謀求解決方案，以免太遲。這種做法也會影響政府行政，因此必須找出問題癥結，然後對症下藥。」
他說，與會者建議那些準備向貸款機構借款的公務員，需先向上司獲取特別推薦書。

http://www.founder.net.my/ocdn/news.php?newsid=15916

Mr.Business

Date 日期   02 Jul 2007

企合部属下银行引人诟病 贷款计划双重标准

企业发展与合作社部属下的一家银行推出会员制的个人贷款计划，会员及非会员借贷利息出现0.05%的差异，引人诟病。

马华蕉赖区会服务中心主任吴心一指出，这家银行所推出的这项贷款计划，会员首3年的利息为5.60％，而非会员是5.65％，另外4至5年的利息分别是5.8％及5.85％，以此类推。

“相比之下，要成为该银行的会员，至少要多付500令吉购买银行的‘股票’，以及必须是土著公民。

“我们觉得，这项所谓的会员制，其实是变相的借贷双重标准。”

对非土著不公

他说，相信该银行推行这个计划已有一段时间，直至日前有一名在政府部门服务超过10年的非土著公务员，在5月期间，向该银行申请较低利息的贷款之后，才揭露这项不平等的措施。

他星期一上午在蕉赖区会服务中心召开记者会时，发表上述谈话。其他出席者包括特别任务局主任梁文彬、精工队队长沈永平以及马青蕉赖区团公共服务与投诉局主任丘杰耀。

在整个“调查过程”，吴心一及丘杰耀曾假扮赤贫人士，分别到该银行及致电至银行总部询问借贷的条件，但后者皆声称他们是非土著，即使愿意以500令吉购买银行股票，也不能成为会员，不能以较低利息贷款。

吴心一说，尽管会员及非会员的利息仅相差0.05％，但根据资料，这家银行是由政府管制，换句话说，其资金源自于公众的税务。

“我认为，这项制度对非土著来说，非常不公平。”

条件模糊不清

此外，他透露，根据网上及小册子的资料，该银行的个人贷款会员的条件，凡是18岁或以上非破产人士皆可申请成为会员，不过，却未提及只有土著才能成为会员。

“此措施的条件模糊不清，而且具误导性。”

他直言，政府推行新经济政策主要是消除各族贫穷，相信也只有中下收入及面对经济困境的人士，才会向银行申请个人贷款，然而，此措施却未能替他们解困，反之增加他们的负担。

有鉴于此，吴心一促请政府正视此事，希望开放会员制予各族人士，让贷款者自行选择是否要购买股票或以更高的利息贷款。

“或者有关当局将此措施取消，公平对待大马子民。”

http://www.mcacheras.org.my/news_view.php?id=338

Mr.Business

原帖由 ee33 于 9-8-2007 09:52 AM 发表


AMMB - 亮丽的成绩单。

Malaysian Stocks Advance for Second Day; AMMB Holdings Rises

Updated : 09-08-2007
Media : Bloomberg
Story By : Angus Whitley

Aug. 9 (Bloomberg) -- Malaysian stocks rose for a second day. AMMB Holdings Bhd. advanced after the bank reported higher fiscal first-quarter profit that beat some analyst estimates.
......
The Kuala Lumpur Composite Index rose 16.97, or 1.3 percent, to 1,324.14 at 9:28 a.m. local time. The smaller Second Board Index added 1.1 percent to 110.96 and the FTSE Bursa Malaysia Emas Index climbed 1.3 percent to 8,980.29.

AMMB, Malaysia's fifth-biggest bank, climbed 18 sen, or 4.2 percent, to 4.44 ringgit......

AMMB said profit in the quarter ended June rose 52 percent to 181 million ringgit as it earned more interest income and made more from Islamic banking, general insurance and investments.

Analysts at Aseambankers Malaysia Bhd. said the results were better than expected and upgraded AMMB stock to ``buy'' from ``hold.''

http://www.biznewsdb.com/english/newspage/newspage.asp?ID=708093&file1=7&bulan=08&kw=wwqq

Mr.Business

一些合作社的新闻：

Only 15 Indian Cooperatives In The Country, Dewan Negara Told

Updated : 16-07-2007
Media : Bernama

KUALA LUMPUR, July 16 (Bernama) -- Only 15 of the 4,918 registered cooperatives in the country are owned by Indians, the Dewan Negara was told Monday.

These 15 cooperatives have a total membership of 36,377, said Parliamentary Secretary to the Enterpreneur and Cooperative Development Ministry Datuk Samsu Baharun Abdul Rahman.

"The shares/subscription of the 15 cooperatives amount to RM36.8 million and their assets are valued at RM52.2 million," he said when replying to a question from Senator Krishnan N.S. Maniam who had wanted to know the measures taken by the ministry to raise the participation of Indians in the cooperative movement.

Samsu Baharun said the measures included providing development assistance in the form of grants to help cooperatives start a business, providing infrastructure, repairing and renovating shops and providing equipment.

The ministry also provided loans under easy terms and also ran programmes on strategic cooperation between Bumiputera and non-Bumiputera cooperatives in an effort to eradicate poverty and increase employment opportunities, he said.

http://www.biznewsdb.com/english ... n=07&kw=cooperative

Mr.Business

Bank Rakyat Confident Of Meeting Profit Targets

Updated : 28-04-2007
Media : Bernama

KOTA KINABALU, April 28 (Bernama) -- Bank Kerjasama Rakyat (M) Bhd is confident of achieving its targeted 12 percent increase in profits this year compared with RM626 million previously, its Managing Director, Datuk Kamarulzaman Che Mat, said here today.

He attributed the bank's optimism to the impressive performance in Sabah and Labuan where the nine branches there chalked up profits of RM87 million last year with expectations profits will rise to RM112 million this year.

Bank Rakyat, continuously expanding to service its increasing clientele, would also open eight more branches nationwide in addition to its 111 branches.

"This year, we will open branches in Air Keroh, Senawang, Bandar Indra Mahkota in Pahang, Putrajaya, Tanah Merah dan Wakaf Che Yeh in Kelantan, Gong Badak in Terengganu dan Mukah, Sarawak.

"In Sabah, we are identifying suitable locations in Papar, Kudat and Beaufort, but not this year maybe next," he told reporters after handing a zakat business cheque here today.

The zakat business cheque worth RM578,600 was handed to Saiful Zaman Sangul, who represented Sabah Education Director Normah Gagoh to be disbursed to 5,876 students around Kota Kinabalu and Papar in 65 schools.

This year alone, Bank Rakyat has disbursed RM30 million in business zakat nationwide with RM1.8 million in Sabah handed over to the Majlis Ugama Islam Sabah (Muis).

Bank Rakyat currently has 760,000 members comprising individuals and cooperatives.

http://www.biznewsdb.com/english ... n=04&kw=cooperative

XXXXX

Bank Rakyat's Microcredit Loan To Make Debut By March

Updated : 23-01-2007
Media : Bernama

KUALA LUMPUR, Jan 23 (Bernama) -- Bank Rakyat will disburse its first microcredit loan scheme totalling RM50 million by next month or March this year.

Its managing director Datuk Kamaruzaman Che Mat said today the maximum loan for the microcredit loan is RM30,000 per application.

"We are in the process of finalizing the scheme. We are aiming to allocate the loans to cooperative members throughout the country," he told reporters after an agreement signing ceremony with Pos Malaysia Bhd here which was witnessed by Deputy Entrepreneur and Cooperative Development Minister Datuk Khamsiyah Yeop.

Kamaruzaman said that at the moment, six cooperatives related to small businesses had been identified to be involved with the project.

"Our microcredit model is based on collaboration with the cooperatives, and they will act as our collection agent as well as provide guidance and advisory services to their members, who in turn are our borrowers," he said.

Last year, the Finance Ministry identified Bank Rakyat as among the three government-link institutional agencies to undertake the microcredit loan scheme aimed at helping small business players in need of immediate cash.

Its Deputy Minister Datuk Dr Awang Adek Hussin was reported as saying that the move would help to address the problem of loan shark activities which caused mental pressure on borrowers, most of whom were small business players.

Under the agreement signed today, Bank Rakyat and Pos Malaysia formed a partnership to provide a convenient channel for customers to pay their bills and perform other transactions through the PosOnline Internet portal.

The partnership allows Bank Rakyat's account holders, currently at around two million, to gain access to PosOnline by linking the iRakyat payment engine to the PosOnline website.

Bank Rakyat account holders now have access to over 57 "payee corporations" to make payment for their utility bills, telco postpaid bills, instalment payments, zakat and others.

"At the moment, about 2,000 of our customers are using the system since it was unofficially introduced last month," Kamaruzaman said.

"We hope to have 30 percent of our customers base using the system by end of this year," he said.

Kamaruzaman also said that the bank was in the midst of introducing the Ar-Rahnu (Syariah-based pawnbroking) scheme at Pos Malaysia's outlets soon.

"According to the plan, Pos Malaysia will provide us with the premises, but negotiations on other issues such as the right business model and right locations are still not finalized yet," he said.

Pos Malaysia has network of 665 post offices nationwide.

http://www.biznewsdb.com/english/newspage/newspage1.asp?ID=70123129&file1=7&bulan=01&kw=cooperative

[ 本帖最后由 Mr.Business 于 9-8-2007 12:42 PM 编辑 ]

Mr.Business

一些合作社的新闻：

Plans to encourage cooperatives to venture into consumer businesses

Updated : 01-03-2007
Media : The Star

PUTRAJAYA: Community-based cooperatives are urged to extend their facilities to all races.

"Members should understand that the concept of cooperative does not take race into consideration, as such they must open up and work together," Entrepreneur and Cooperative Development Minister Datuk Seri Khaled Nordin said.

He said the ministry would identify the cooperatives that could form strategic alliances or merge to serve everyone.

He said such an approach would unite people of all races as well as to upgrade the financial status of cooperative members and expand the sector.

Khalid said the ministry planned to encourage cooperatives to venture into businesses with high consumer demand such as operating school buses.

He was speaking to reporters here after launching a forum on Upgrading The Quality of Human Capital in Cooperatives in The K-economy Era.

Khaled said that RM60mil was still available under the ministry's revolving fund with interest rates of up to 6% for cooperatives to operate viable businesses.

He said cooperatives were fairing better now with 199 new cooperatives registered last year bringing the total to 4,918 with 5.87 million members and assets worth RM37.472bil.

http://www.biznewsdb.com/english ... &kw=cooperative

Mr.Business

原帖由 Mr.Business 于 9-8-2007 01:53 PM 发表
公布我的portfolio，以股价计算，我的portfolio:
1. RCE - 65%
2. Titan - 18%
3. Melewar - 17% (投机)

如果我要再买进，我会选择买进RCE。至于Titan，我还是认为她的赚利受油价影响，新厂又是在2008年才开始生产，所以暂时不会再买进。

原帖由 KelvinLiew 于 9-8-2007 06:18 PM 发表

你觉得它的收割期应该在那个价位聂？？

比如现在的一倍－－还是三倍价位？？

以背景来衡量这间公司－和未来股息之类的展望－－目前的价位确实是值得用未来五年来发美梦的－－短时间冲上3元后甚至还建议加持－－个人觉得－－只是写感想的说

http://chinese4.cari.com.my/myfo ... page=33#pid31334880

KelvinLiew兄这么看好RCE？
暂时我把RCE作为我在这个牛市的主力 (我认为牛市至少还有一年)，希望RCE能上到RM2。
不理会牛市熊市的话，我以为RCE是匹千里马来的。现在还算是小马，成长的空间很大。

Mr.Business

Zeti很唱好我国的经济。
......She explained that the wage increase (between 7.5 per cent and 35 percent) for civil servants has reinforced consumption demand and coupledwith high commodity prices and favourable job market has sustainedconsumption activities.
"These are the factors which sustained the growth of our economy," she added.


Economic growth on track
By Rupa Damodaran

August 10 2007

THE Malaysian economy remains on track to achieving the six per cent  targeted growth this year, supported by strong domestic demand and consumption, said Bank Negara Malaysia governor Tan Sri Dr Zeti Akhtar Aziz.

“Domestic demand is still very strong and we have (strong) consumption demand and investment demand,” she said at a media briefing in Kuala Lumpur yesterday.

Zeti also discounted risks from the mortgage crisis in the US this year.

“Right now, it is confined to the financial markets.  We do not see, at this stage, of it having an impact on the economy.

“Furthermore, we’re seeing other parts of the world — Europe, Japan and other parts of Asia still continuing to do well.  So, all these mitigate a possible slow growth in the US on our economy,” she said.

Zeti, who is also chairman of Bank Negara Malaysia board of directors, had earlier briefed Prime Minister Datuk Seri Abdullah Ahmad Badawi and top Finance Ministry officials on the state of the nation’s economy at the central bank.

“Public investment by the Government, with the implementation of many of the projects,  has also reinforced domestic demand  and this is being seen in the construction sector and services sector,” she said.

The mining sector  will also see two new plants coming on stream.

She explained that the wage increase (between 7.5 per cent and 35 per cent) for civil servants has reinforced consumption demand and coupled with high commodity prices and favourable job market has sustained consumption activities.

"These are the factors which sustained the growth of our economy," she added.

During the two-hour briefing, areas covered included an assessment on Malaysia's economic outlook, the monetary and financial developments, discussion on important policy issues as well as proposal to achieve sustainable growth over the medium term.

Zeti said there would not be any change in the management of the currency despite Malaysia recording weaker exports.

Exports slowed sharply in June, contracting 0.4 per cent year-on-year on the back of weaker electronics exports.

"Foreign direct investments are very strong for the first half and we expect the (trend) to continue into the second half of the year.

She said there are other inflows which support the movement of the ringgit, including a continued inflow of portfolio funds.

http://www.btimes.com.my/Current ... rup09a.xml/Article/

XXXXXX

09-08-2007: M’sia an Asian growth star, says Deutsche
by Ellina Badri & Syarina Hyzah Zakaria

KUALALUMPUR: Deutsche Bank Research is bullish on Malaysia’s long-term growth prospects, pegging it as one of the top three Asian growth starsfrom 2006 to 2020.
At a media briefing on the world economic cycle here yesterday, Professor Dr Norbert Walter ( left), chief economist of Deutsche Bank Group and managing director of Deutsche Bank Research said Malaysia would beat out even China toachieve an average annual growth rate of almost 5.5%.
Topping the list wasIndia with a gross domestic product (GDP) rate of 5.5%, while China and Thailand followed Malaysia with GDP rates of around 5.2% and 4.5%respectively.
Walter said in thelong term, the world economy would gravitate towards these Asian growth stars — which include Indonesia and South Korea — where growth would bedriven by population growth, investment, human capital and trade openness.
He said Malaysia’s demographics were well positioned to take up the challenge of human capital development as it comprised a young population.
Additionally, its political system which is committed towards education assured the country of achieving its human capital goals, he said.
However, he highlighted that the Malaysian workforce currently faced a shortage of qualified people.
“The acceleration of economic growth had been very strong and took everyone by surprise,leaving the labour force unprepared to supply qualified employees,” hesaid.
In the long term,Walter expected this challenge to be addressed sufficiently for Malaysia to achieve its targeted growth rates as all parties involvedn ow understand the problem at hand and are taking the necessary initiatives.
He also said Malaysia practised an outstanding level of trade openness and had a high investment ratio.
“As the country is maturing and moving up the value chain, investments in machinery and capital goods would become less important as it focused on developing a knowledge economy,” he said.
Walter also remained optimistic on Malaysia’s macroeconomic environment, predicting moderate inflation and stable interest rates.
The deceleration in GDP growth seen since 2005 was not a prevalent trend and the achievement of a 6% growth rate in 2008 was not out of reach, he said.
     
http://www.theedgedaily.com/cms/content.jsp?id=com.tms.cms.article.Article_48776ee5-cb73c03a-d647d800-ebe82640

XXXXX

Cagamas的Residential Mortgage-Backed Securities并没有受美国的sub-prime债务所影响。


Cagamas' RM2.4b issue oversubscribed 4 times
      
August 10 2007

CAGAMAS MBS Bhd (CMBS)'s largest issuance of Residential Mortgage-Backed Securities CMBS 2007-2 has attracted over RM9.1 billion in book orders, representing an oversubscription rate of about four times.

The nominal value of the securities issued byCMBS, a wholly-owned unit of Malaysia's national mortgage corporation Cagamas Bhd, is at RM2.41 billion.

The asset-backed securities attracted a diverse group of domestic and offshore investors.

"About51.9 per cent of the bids came from the financial institution investors with the remaining from government agencies (22.6 per cent); asset management companies (13.9 per cent); insurance companies (11 per cent)and corporate (0.6 per cent).

"Investor confidence in the domestic asset-backed securities market was prevalent from both local and foreign fixed income investors despite market jitters in the US sub-prime debt market," said CMBS in a statement yesterday.

The securities are offered in seven tenures, namely three, five, seven, 10,12, 15 and 20 years, which were priced at 4.0 per cent, 4.1 per cent,4.28 per cent, 4.52 per cent, 4.7 per cent, 4.9 per cent and 5.08 percent respectively.

"At these yields, the order book remained resilient at RM7.79 billion giving a book size of more than three times, of which allocation to offshore accounts was approximately 20 per cent," it said.

This represents the fifth issuance of asset-backed securities by CMBS backed by a portfolio of approximately RM3.0 billion of the Government's housing loans.

The securities has a AAA rating by the Malaysian Rating Corp Bhd and RAM Ratings Services Bhd.

AmInvestment Bank Bhd and CIMB Investment Bank Bhd acted as the joint principal advisers, joint lead arrangers and joint lead managers for CMBS 2007-2.

http://www.btimes.com.my/Current_News/BT/Friday/Nation/cagam09.xml/Article/

[ 本帖最后由 Mr.Business 于 10-8-2007 09:08 AM 编辑 ]

Mr.Business

原帖由 Mr.Business 于 8-8-2007 10:46 AM 发表
我在研究RCE的前身 (丽的呼声)，希望能更明白当时Tan Sri AzmanHashim为何把个人借贷的业务转入丽的呼声。暂时的看法是Tan Sri AzmanHashim为了减低风险，而且这业务在当时是新投资，成不成功还不知道，RCE其实是个实验, 不过三年下来，这生意似乎做得不错。

RCE的转型故事：

Tan Sri Azman Hashim于1988年开始掌管丽的呼声(RCE的前身)。有鉴于电台业务的赚利不高，Tan Sri Azman Hashim决定将丽的呼声转型。

丽的呼声于25/09/2002宣布脱售Radio Rediffusion Sdn Bhd (RRSB) 的70%股份给The Star (丽的呼声只持有Radio Rediffusion Sdn Bhd的70%股份)。
RRSB is principally involved in the business of operating a wireless radio broadcasting station, and it holds a 10-year licence expiring in June 2010, to operate two nationwide radio channels, namely 988 (in Chinese broadcast) and RED 104.9 (in Bahasa Malaysia and English broadcast).

丽的呼声于23/12/2002宣布向RCE Ventures Sdn Bhd收购RCE Marketing Sdn Bhd的87.5%股份 (这87.5%的股份其实就是Tan Sri Azman Hashim所拥有的)。
RCEM was incorporated in Malaysia under the Companies Act, 1965 on 16 November 1981 as a private limited company under the name of Rediffusion Consumer Electronics (M) Sdn Bhd. Subsequently on 18 May 2001, RCEM assumed its present name.RCEM is principally involved in the trading of electrical home appliances and other consumer durable products mainly on hire purchase (in the business for more than 10 years).
RCEM has been in co-operation with Koperasi Belia Nasional Berhad ("KOBENA") to provide financing to the members of KOBENA, who are Government employees, for the purchase of RCEM's products under a hire purchase scheme undertaken by KOBENA.
The directors of RCEM are Shalina Azman, Loh Kam Chuin and Goh Jue Jin. Save for Goh Jue Jin who has an indirect equity interest of 12.5% in RCEM, none of them has any interest, direct or indirect, in RCEM as at 31 October 2002.

RCE Marketing当时的业务是提供hire purchase给公务员购买电器或家具。RCE Marketing那时候还未开始提供个人贷款给公务员，因此盈利也不算高 (31/03/2002时的总receivable是RM67.52 million，那年的revenue是RM32.16 million，净利RM1.67 million) 。

丽的呼声宣布收购RCE Marketing的理由：
The Proposed Acquisition is in line with the Company's plan to diversify into business activities which have growth and earnings potential. In addition to allowing RB to broaden its sources of income, the Proposed Acquisition will provide RB immediate access into the retailing business of consumer products for government employees, through RCEM's established business connection with KOBENA.

丽的呼声于10/06/2003完成收购RCE Marketing Sdn Bhd (收购价RM19.9million) 。
丽的呼声于23/06/2003完成脱售Radio Rediffusion Sdn Bhd (脱售价RM16.28million) 。

丽的呼声于24/07/2003宣布提议将公司名称从"Redifussion Berhad"更换成"RCE Capital Berhad” (23/10/2003完成更换公司名称)。
The proposed change of name is a fulfilment of the terms and conditions of the 'Agreement For Sale of Shares in Radio Rediffusion Sdn Bhd ("RRSB")' entered into by the Company with Star Commercial Publications Sdn Bhd ("SCPSB") on 25th September 2002 to dispose of the Company's investment, comprising 700,000 ordinary shares in RRSB ("the Sale Shares") to SCPSB, whereby the Company shall within one year from the date of completion of the sale of the Sale Shares cease to use the name "REDIFFUSION".

The proposed change of name would also reflect the new identity of the Company as the Company is principally involved in investment holding and provision of management services.

RCE在2003年报第一次提到将通过RCE Marketing提供借贷服务给公务员。这就是RCE成为千里马的开始。

RCE的2004年报:
RCEM has a dedicated and skillful team of personnel to manage various funds and collections. It also has a network of dealers operating throughout Malaysia and to date it has 22 dealers supporting its business. As at July 2004, RCEM has a total loan portfolio of RM144.0 million represented by 18,570 account holders. The loan portfolio has grown by 23.3% compared to the previous year. Moving forward, RCEM
plans to expand and diversify its range of product and services offerings.

Pos Ad Sdn. Bhd. (“POS AD”)
The Group’s in-store advertising and provision of on-site product trialing services business, POS AD, contributed RM32.9 million towards the Group’s revenue, an increase of 30% as compared to preceding year’s revenue of RM25.3 million while its profit before taxation increased by 165% from RM1.7 million to RM4.5 million this year.
However, in line with the Board’s decision to streamline the Group’s business operations, on 24 February 2004, RCE announced the disposal of POS AD for a cash consideration of RM11.0 million. The disposal which resulted in a gain of RM1.3 million to the Group was approved by the shareholder of RCE at an AGM held on 7 May 2004. The disposal was completed on 16 July 2004.

13/08/2004, RCE收购Taifab Sdn Bhd。Taifab拥有AmFirst Property Trust Berhad的29199074股。RCE宣称收购目的是增加公司的收入。

RCE的2005年报:
Following the acquisition of RCE Marketing Sdn Bhd (“RCEM”) in June 2003, we have been focusing our resources and efforts towards expanding its personal loan financing business.
As of May 2005, RCEM’s receivables portfolio has grown by 142% to RM328.1 million, compared to the previous year’s RM135.8 million. Our customer base has also expanded 3 times relative to the sector expansion, as well as 3.6 times relative to the sub-sector expansion. Consequently, we registered a double-digit growth in terms of market share by servicing close to 25,000 accounts.
This commendable achievement was driven by an integration of various tactical plans, which include expansion of distribution network through strategic alliances, investment in information technology to increase productivity, penetration of new market segments and product innovation. In addition, RCEM also doubled its marketing channels through smart partnerships with co-operative societies to approximately 40 branches nationwide.

Access to Capital Markets
Subsequent to securing a RM95.0 million financing facility from the Malaysian debt capital markets in July 2004, RCE has successfully issued RM77.0 million worth of private debt securities since October 2004, through its subsidiary, RCE Premier Sdn Bhd.
This has effectively translated the Group’s future cash flows into current working capital, fuelling the exponential growth of RCEM. Going forward, we will be leveraging on the confidence that the capital markets has placed on the Group to raise additional funding for RCEM.

RCE的2006年报:
In order for the Group to fully benefit from the strong assets and earnings growth of RCE Marketing Sdn Bhd (“RCEM”), the Group’s main profit contributor for the coming years, we have completed the acquisition of the remaining 12.5% stake in RCE Enterprise Sdn Bhd (“RCEE”) in March 2006. As a result, RCEM has become an indirect wholly-owned subsidiary of RCE through RCEE.
We continue to focus on growing RCEM’s business relationships with the various co-operatives. As a result, our co-operative business partners now have more than 50 distribution channels throughout Malaysia, compared with approximately 40 channels the previous financial year.
In October 2005, the Group through its wholly-owned subsidiary company, RCE Advance Sdn Bhd, was given approval by the Securities Commission to issue up to RM420.0 million Fixed Rate Medium Term Notes (“MTNs”). The issue of the MTNs would allow the Group to tap on the debt markets to fund the growth of RCEM, the Group’s main profit contributor.
The MTNs comprised RM240.0 million Class A MTNs, RM120.0 million Class B MTNs and RM60.0 million Class C MTNs and rated A+, A and BBB+  respectively by Malaysian Rating Corporation Berhad.
This funding programme allows the Group to manage its funding cost in the current rising interest rate environment and to date, a total of RM210.0 million MTNs has been issued.

[ 本帖最后由 Mr.Business 于 10-8-2007 06:50 PM 编辑 ]

Mr.Business

原帖由 shuhjiunho 于 8-8-2007 10:15 AM 发表
理由很牵强。
同样是AMMB银行集团的管理层，还怕筹资有问题？
我反而对这那么赚钱的Cash-cow生意感到有点不安。

原帖由 shuhjiunho 于 8-8-2007 10:15 AM 发表
母公司的风险是减低了，转移到你身上了。这个你有看到吗？
生意兄，如果银行家对其投资感到有风险，要把风险转移他人，我们在接手这风险时，是否更要小心呢？
我们是真的会比银行厉害？？？

做了功课以后，我有一些想法。
RCE Marketing在被RCE收购之前，只是做hire purchase的生意，不是赚大钱的生意。那为何Tan Sri Azman Hashim要让RCE收购RCE Marketing呢？我想理由可能如下：

1. Tan Sri Azman Hashim可能计划把这服务公务员的生意做大，提供个人贷款给他们。可是如果只是间私人公司，很难从银行取得大量的借贷资金，所以安排RCE买下RCE Marketing，让RCE来借钱做贷款生意。

2. 那为何Tan Sri Azman Hashim不安排他上市的银行来收购RCE Marketing，而让RCE来买呢？
我想是因为风险的关系，毕竟这生意在当时是新venture。不过4年过去了，现在大家都可以看到这生意是成功的。
这借贷生意最需要的是关系和政治力量，如果不是有Tan Sri Azman Hashim在的话，RCE未必可以经营这生意。而且当时丽的呼声(RCE的前身) 迫切需要新业务。


我觉得Tan Sri Azman Hashim是打算把RCE做得更大的。他拥有RCE的41.46%股份。虽然RCE的股价从RM0.20起到RM1，他也没出售股份，显然他觉得RCE的potential不止如此。

PS：请shuhjiunho前辈再指点一二。

[ 本帖最后由 Mr.Business 于 10-8-2007 06:55 PM 编辑 ]

Mr.Business

原帖由 shuhjiunho 于 8-8-2007 10:15 AM 发表
AMMB银行的管理层怎样好？

RCE转型之后的业绩：

2004财政年
客户人数= 18570 (07/2004的资料)
Total Loan and Hire-purchase Receivables= RM94million
Net Profit= RM21.9million
Net Profit Margin= 40.12%

2005财政年
客户人数= 25000 (05/2005的资料)
Total Loan and Hire-purchase Receivables= RM167million
Net Profit= RM14.9million
Net Profit Margin= 33.38%

2006财政年
客户人数= 30000 (09/2006的资料)
Total Loan and Hire-purchase Receivables= RM327million
Net Profit= RM19.8million
Net Profit Margin= 34.43%

2007财政年
客户人数= 35000 (06/2007的资料)
Total Loan and Hire-purchase Receivables= RM501million
Net Profit= RM63.4million
Net Profit Margin= 64.22%

Mr.Business

新闻：

Govt salary hike set to spur wholesale, retail sectors

August 11 2007

MALAYSIA'S wholesale and retail sectors are expected to grow by 6.5 per cent this year, given the rising population and higher purchasing power among consumers, said Deputy Finance Minister II Datuk Dr Awang Adek Hussin.

"The recent increase in Government servants' salary will definitely spur the retail industry," he told reporters in Kuala Lumpur yesterday.

Awang Adek was representing Second Finance Minister Tan Sri Nor Mohamed Yakcop at the launch of an entrepreneurs networking programme organised by Perbadanan Usahawan Nasional Bhd (PUNB).

He said the retail and wholesale sectors will continue to expand as these two sectors are basic necessities for the public.

"These sectors will continue to grow. Thus, it is a good opportunity for Malaysians, especially Bumiputeras, to participate. However, they must work hard and provide good and quality services," he said.

Meanwhile, Nor Mohamed in his speech said Malaysia's political stability and strengthening economy provides a suitable platform to spur the retail business.

"The retail and wholesale industries are growing stronger based on the opening of several business complexes. Although most of these complexes are owned by foreigners. Bumiputera entrepreneurs should look at their (foreigners) presence as a positive and healthy competition. They should not give up easily and surrender.

"The Government will assist them to ensure they stand tall with the foreign retailers and wholesalers," he said.

Nor Mohamed said one of the challenges is that many Bumiputera entrepreneurs cannot afford the high cost of buying or renting outlets in prime locations. He said PUNB and TPPT Sdn Bhd will try to help them overcome this obstacle.

"I was told that there are more than 50 companies under PUNB operating in the manufacturing and services, 25 companies in the wholesale sector, and nearly 1,000 in retail nationwide.

"With PUNB's continuous efforts, I am sure that we will be able to increase the number of Bumiputera entrepreneurs and traders. Government agencies and government-linked companies can help these entrepreneurs by appointing them as distributors and vendors for certain products and services," he said.

http://www.btimes.com.my/Current ... eksinn.xml/Article/