新加坡哪个银行的定期利率最高以吸纳马币存款？

aidj

弱弱地问目前新加坡哪个银行的定期利率最高以吸纳马币存款？




（吉隆坡8日讯）分析员指出，银行领域的存款增长率比贷款弱，将冲击业者的赚幅，同时也会限制贷款增长潜能，因为存款是银行用来放贷的

主要资金来源。

截至6月杪，银行领域的总存款按年走高3.5%，比按年攀升5.7%的贷款增长要缓慢。而这个情况，在2013年初就已经开始，导致贷款对存款比例

一直走高。

回顾2012年2月，当时的贷存比例企于76.2%，如今已来到90.4%。
该比例是在去年11月首次触及90%水平，此后就一直处于横摆状态。

马银行贷存比99.2%

如果存款增长持续滞留在3%左右或更低水平，而贷款增长没有显著放缓，银行业者的贷存比例会越来越高。
截至今年首季，我国大部分银行的贷存比例，都接近或超过90%。其中，马银行（MAYBANK，1155，主板金融股）的贷存比例最高，达99.2%。而

其他三家银行，也超过90%。
贷存比例最低的是丰隆银行（HLBANK，5819，主板金融股），报80.3%，因此能够为其提供积极管理资产负债的空间，以捍卫赚幅。

争存款推高成本

联昌国际投行分析员认为，相比贷款增长，疲弱的存款增长率将对银行带来负面冲击。
首先，这是导致银行业者在过去3至4年陷入激烈的存款竞争的因素之一，最终导致存款成本高涨，赚幅极其微薄。
第二，疲弱的存款增长，也料使贷款增长的上涨潜能受限，因为这些存款是业者用来放贷的主要资金来源。
虽然明年有升息的可能，但分析员仍保持领域“中和”的投资评级，因采纳了大马财务报告准则9（MFRS 9）后会有负面影响，且估值昂贵。

aidj

Maybank loan-to-deposit ratio at comfortable level, below 100%


Posted on 13 August 2017 - 05:15pm
Last updated on 13 August 2017 - 05:27pm


PETALING JAYA: Malayan Banking Bhd's (Maybank) group loan-to-deposit ratio (LDR) is at a comfortable level of 94.7% as at end March 2017 and not 101% as stated in a foreign wire report released last Friday.

Maybank Group CFO Datuk Amirul Feisal Wan Zahir said, the news article and the Malaysian banking analyst research report it quoted, did not give a true picture of Maybank's careful management of its assets and liabilities.

"Maybank runs its business at the highest level of prudence and transparency and we have clearly disclosed in our quarterly earnings presentations, the levels of both our LDR and liquidity coverage ratio (LCR)," he said.

Feisal said that for Maybank's Malaysian operations, its LDR as at March 2017 was 90.6%, and this has remained fairly stable over the last year from the 90.2% in March 2016. It was in fact lower quarter-on-quarter from the 91.3% level recorded in December 2016, arising from deposit growth which outpaced loan growth. Deposits growth was also supported by low-cost CASA (current account & savings account) growth. The group, he added, has been actively focusing its attention on increasing its CASA component, and where necessary, moving away from the higher funding cost segments, such as fixed deposits.

Maybank's Singapore operations, meanwhile, had an LDR of 89.5% as at March 2017, while Maybank Indonesia's LDR at the bank level stood at 88.4%.

"To state that our LDR ratio is approaching 101% is wrong and can lead to misunderstanding among our stakeholders, including our customers, shareholders and regulators," added Dato' Feisal.

He said that the research report which stated Maybank's LDR as being 99.2%, had excluded the Islamic investment accounts (IAs) from its computation of Maybank Group's LDR, hence resulting in it reporting a higher LDR for Maybank.

"This is a misrepresentation of LDR computations as IA should be included in the LDR computation for Maybank Group and Maybank Malaysia as provided for under Malaysian banking guidelines. If IA is excluded from the LDR computation, then the associated loan amount should also be excluded in the computation as investment accounts are meant to fund loans," he said.

IA is a banking product offered by Maybank Islamic Bhd, which in essence, is similar to traditional deposits with CASA and time deposit features, and used to fund Islamic assets. The IAs were reclassified from Mudarabah deposits under the old guidelines on Islamic banking to Mudarabah Investment Accounts (IAs) starting from July 2015. This is in line with Maybank Group's commitment in complying with, and embracing the Islamic Financial Services Act (IFSA).

Feisal also clarified that the group's liquidity coverage ratio, which measures how sufficiently banking institutions hold high-quality liquid assets to withstand an acute liquidity stress scenario over a 30-day horizon, stood at 134% as at end March 2017. This was well above the Bank Negara Malaysia requirement of 80% for the year 2017.

On the issue of some Malaysian banks' (including Maybank's) net interest spread being less than two percent as also stated in the Bloomberg article, Feisal said that Maybank's net interest margin (NIM) stood at a healthy level at 2.43% as at 1Q FY2017. "We have actually seen our NIM expand 9 bps from 2.34% a year ago arising from our disciplined loan pricing and ability to reduce our cost of funding by focusing on CASA growth."

With regard to the statement on Malaysian banks' growing reliance on foreign currency debt issuances, Feisal clarified that Maybank Group's total borrowings, including subordinated debt and capital instruments was 7.6% of total assets. As part of Maybank Group's prudent risk management approach to avoid foreign currency exposure mismatch for its assets and liabilities, Maybank only raises foreign currency borrowings to fund client requirements in that particular currency.

On the concern raised in the news report about lending to riskier clients, Maybank Group has always applied a disciplined and prudent credit management framework in accordance with our risk appetite. Regular oversight via committees that encompasses senior executives and board members is applied at all times to ensure that asset quality is managed appropriately.


http://www.enanyang.my/news/20170814/马银行澄清br-集团贷存比例为94-7/

aidj

Moody's expects decline in property prices due to supply overhang
PROPERTY
Monday, 27 Nov 2017

11:49 AM MYT



KUALA LUMPUR: Moody's Investors Service expects a material decline in property prices in Malaysia in the event of a protracted period of supply overhang as market valuation adjusts.

In its credit outlook issued on Monday, it pointed out that in such a scenario, the quality of housing loans with high loan-to-value (LTV) ratios are most at risk.

“We understand from our rated banks in Malaysia that 20%-30% of mortgages booked each year have LTV ratios of 90% or higher at the time of origination.

“Furthermore, we believe that suspending new property development will not correct the oversupply situation over the next five years, when property projects now in development enter the market,” it said.

To recap, on Nov 20, Second Finance Minister Johari Abdul Ghani was quoted saying the government had since Nov 1, frozen approvals of luxury property developments indefinitely and temporarily halted the development of shopping malls, commercial complexes and condominiums priced above RM1mil to address oversupply in the property market.

The following day, Works Minister Datuk Fadillah Yusof said the freeze would be applied on a case-by-case basis.

The freeze followed Bank Negara Malaysia’s report earlier this month that suggests the oversupply in Malaysia’s property market is worsening.

Moody's noted the volume of Malaysia’s unsold and vacant properties has risen substantially over the past three years and is likely to increase, raising the risk of a material decline in property prices that would diminish bank asset quality.

“These developments are credit negative for Malaysian banks,” it said.

BNM had pointed out earlier the banking system’s total loan exposures to property segments with acute oversupply (that is, commercial property and high-end high-rise residential) account for 8% of total bank lending, and the impaired loan ratios for the segments are low at 1.1%-1.2%.

Moody's pointed out that suspending new property development would not correct the oversupply situation over the next five years, when property projects now in development enter the market.

Much of the new supply is in Malaysia’s key states, where supply-demand imbalances in various segments of the property market, including residential housing, commercial office and retail shopping complex, have occurred since 2015.

These states include Kuala Lumpur, Penang and Johor, which the central bank has warned will likely have the largest property market imbalances in the country.

Johor has the largest share of unsold residential units in Malaysia (27%), followed by Selangor (21%), Kuala Lumpur (14%) and Penang (8%).

According to BNM, the large volume of unsold properties reflects that the majority of newly completed properties were priced above RM250,000 (the barometer for affordable housing in Malaysia) and do not cater to households’ demand for affordable new housing.

In the commercial office segment, vacancy rates have risen steadily since 2015.

BNM estimates that office vacancy rates could rise to 32% by 2021, from 24% in first-quarter 2017, considering the large development projects such as Tun Razak Exchange and Bukit Bintang City Centre in Kuala Lumpur that are underway.

In the retail shopping complex segment, total retail space per capita has increased sharply in key Malaysian states over the years, and now surpasses regional markets such as Hong Kong and Shanghai.

The large incoming supply of retail space will exacerbate the oversupply situation and raise the vacancy rates across Kuala Lumpur, Penang and Johor from current levels of 13%-30%.

“Other than the recent government measure targeted to limit new property developments, it remains unclear what additional measures the Malaysian authorities would take to ensure the existing excess supply in various property segments and new supply entering the market can be effectively deployed and utilised.

“In our view, the increasing oversupply and the prospects of a material property price correction will continue to build as new supply enters the market and poses a risk to Malaysian banks’ asset quality,” it said.

TAGS / KEYWORDS:
Property , Banking


Read more at https://www.thestar.com.my/busin ... o-supply-overhang/#

Iamkoe

没看懂。。。你要在新加坡存马币还是先把马币转成新币存在新加坡？  我个人不太建议存马币咯。。。马来西亚政府有多好大家都知道的。。。

aidj

Iamkoe 发表于 10-8-2017 12:39 PM
没看懂。。。你要在新加坡存马币还是先把马币转成新币存在新加坡？  我个人不太建议存马币咯。。。马来西亚政府有多好大家都知道的。。。

新加坡银行 马币外汇户口

啊不然呢

你身家也最多几十千，问那么多搞淋

@没来racer @飞刀无情 am I 2 老实？

花心大萝卜

我都是把錢放 DBS FD 0.35% P.A. 而已。都不夠 cover inflation。

一直夢想有一天 tiok 100 萬 toto 放 FD 每年拿一點利息出來旅行。

没来racer

啊不然呢 发表于 10-8-2017 12:45 PM
你身家也最多几十千，问那么多搞淋

@没来racer @飞刀无情 am I 2 老实？

miu ben

地s 衣s 凹2 卖点

啊不然呢

没来racer 发表于 10-8-2017 05:03 AM
miu ben

地s 衣s 凹2 卖点

解码失败

没来racer

啊不然呢 发表于 10-8-2017 01:06 PM
解码失败

this is our 卖点

低腰，那么久没有见脱钩掉

啊不然呢

没来racer 发表于 10-8-2017 05:11 AM
this is our 卖点

低腰，那么久没有见脱钩掉

低腰咯，我15天不在

你功力突然飙升那么多

怎么跟你不累不累

没来racer

啊不然呢 发表于 10-8-2017 01:14 PM
低腰咯，我15天不在

你功力突然飙升那么多

怎么跟你不累不累

你不见了15天咩？

我今天才回来开工

上云顶派钱tmd

啊不然呢

没来racer 发表于 10-8-2017 05:16 AM
你不见了15天咩？

我今天才回来开工

上云顶派钱tmd

你就是那个带邦哥辣上去豪赢130万的吗？

没来racer

啊不然呢 发表于 10-8-2017 01:35 PM
你就是那个带邦哥辣上去豪赢130万的吗？

我也想
但是是他拿掉我的钱

1.3里面有我的粪

啊不然呢

没来racer 发表于 10-8-2017 05:37 AM
我也想
但是是他拿掉我的钱

1.3里面有我的粪

上云顶前你没请教我

我有包赢的办法，以前混到被列入黑名单

没来racer

啊不然呢 发表于 10-8-2017 01:41 PM
上云顶前你没请教我

我有包赢的办法，以前混到被列入黑名单

低腰你
原来1.3是你

啊不然呢

没来racer 发表于 10-8-2017 05:59 AM
低腰你
原来1.3是你

你想拜我为师，入门条件就是要低调

太高调，我不喜欢，你懂的

高调素师傅的作风，别把我比下去

没来racer

啊不然呢 发表于 10-8-2017 02:02 PM
你想拜我为师，入门条件就是要低调

太高调，我不喜欢，你懂的

高调素师傅的作风，别把我比下去

我出门低调有没有

啊不然呢

没来racer 发表于 10-8-2017 06:04 AM
我出门低调有没有

角度低了点，调就因人而异

没来racer

啊不然呢 发表于 10-8-2017 02:05 PM
角度低了点，调就因人而异

妈爱
这样很低调了

飞刀无情

啊不然呢 发表于 10-8-2017 12:45 PM
你身家也最多几十千，问那么多搞淋

@没来racer @飞刀无情 am I 2 老实？

可能十几都米有

啊不然呢

飞刀无情 发表于 10-8-2017 07:20 AM
可能十几都米有

嫑酱，人家每天开帖说什么马币走势推背图

还在别的投资论坛也开帖谈汇率

十几都没有，不素笑瓜死人