Lionel Essi's comment on MAYBANK

Lionel Essi · 2023-12-09T20:31:04+08:00

revenue climbing but profit static. meaning operating cost too heavy. really good luck.

林明德

跟Matrix 学习一年五次股息，Maybank 两次股息那里够吃，给了三次股息。

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Tedious K

Just go and brag at Matrix forum. This is Maybank here , DUMB! Matrix is not giving out 5% dividend every quarters. Combined full year dividend is below 6% . Dumb!

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OG. Ana

德哥touch and go每天给。。比matrix更好。。。快去

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Eddy A

It's being crowned as the best Asia Pacific bank . That means it is much better than most banks both locally and abroad.

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Lionel Essi

蜂说蜂话肯定疯逼。 good luck

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Chee Weng Yeap

@lionel essi
Q3就已经赚到7B了。。Q4随便来个1.多B的利润，都会破了历年新高。。这叫没多赚钱？

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Edmund M

If you think Maybank is an high risks investment, just move on and not waste time here . Good luck with your analysis elsewhere.

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Lionel Essi

yeap. 不知道你哪来的数据,我看到这里的数据是盈利一直上升但是净利保持。意味着maybank 需要像public bank 一样一直突破盈利。不然就 good luck

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Edmund M

只需在 PBB 论坛发表评论，您的分析就会得到好评。像你这样的专家每年赚几百万。不用担心马来亚银行的投资者。

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Chee Weng Yeap

季度报告和年报写得清清楚楚啊。

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Tedious K

Just go and buy Public Bank for yourself. No one is interested in your analysis . Hahaha

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Chee Weng Yeap

头疯。。你要这样想也没人阻止你。。投资者如果看了财报都不相信。。那就报资其它在风口上的公司吧。

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Lionel Essi

其实财报只是一种义务obligation （为了上市）。我可以说全世界的公司都运用creative accounting 去美化粉饰他们的financial position. 最好的例子就是capital a. 懂的人都懂不懂的人去查看什么是creative accounting. 所以，financial report 是不能完全相信。需要看大趋势。 Good luck.

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Lionel Essi

果然蜂说蜂话肯定疯逼。 good luck

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Chee Weng Yeap

所以我也说了。。。这样想，可以去选风口股。ytl，森林城市。。大趁势。

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Tedious K

Mr Lionel is an expert? It's more like a show-off

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Lionel Essi

you can't differentiate between show off and sharing knowledge ? many posts here are show off e.g. I sold all and earn million bla bla. this one is show off. if this you also don't know differentiate and do investment is really good luck.

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Great Loser

all my dear shareholders...okla...enjoy 0.01 increase today and enjoy a good morning ya... lol

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Tedious K

Earn millions????? Hahaha Hahaha ......Hahaha. how come you never show off at Public Bank forum since its your favourite? Instead talk 3 talk 4 here .

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hb gan

全世界在起只有马股睡觉

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Amos ooi Chin Han

Now the economy not stable yet.

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Lionel Essi

tedious. I found you very funny. I also mentioned capital a, means capital a is my favorite too? lolollloll XD your interpretation skill still room for improvement . good luck

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Lionel Essi

gan 。你忘了港股已经跌了很多。good luck

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Jx C

马股每一间都用creative accounting 不是哪一间都不能买？？

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Tim Lee Donghye

Well, everyone decide on their own risks. I have bought Maybank since January 2021, and I'm satisfied with the returns. Most importantly, our investments should be based on our own research and not by following others' footsteps. Maybank attractiveness is dividends. Buy or sell , it's your own decision.

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keng ming roland choo

If the KLSE remains as dull as this, it is then prudent to invest in high dividend stock only like Maybank. Others low or moderate dividend stocks are just not worth it.

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Lionel Essi

人的好运在于修养, 而修养首先从口开始。看您的comments， really good luck to you :)

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Lionel Essi

总好过某些人不遮口然后删掉comments. Good luck

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keng ming roland choo

別吵，別吵。Maybank這個價格年終報告Div Yield 無疑是斬釘的6.6或更好。

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Alan Li

Public bank dividend is low, and capital appreciation is not that great. My average price is at 4.27. I'm still at a loss. Maybank stock price may be slow, but the dividend makeup quite a different. .

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Great Loser

maybank dividend the best in banking stock already....plus largest cap in KLSE....siap tak mau jangan beli lah....lol

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Great Loser

Morning shareholders....anyone mind to share how much $$ you are holding in Maybank stock? no need accurate la...just agar agar enough....:)

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keng ming roland choo

I am holding 82.5lots

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4 B

U guys still using 1 lot = 100 or old school 1 lot = 1000 ?

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keng ming roland choo

I prefer to stick to old school

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Great Loser

i am holding just abv 100 lots...and keep adding using dividend and drip.

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keng ming roland choo

Often I find it strange that ppl would buy a relatively high price stock and sell them at relatively slim profit. For me, I wouldn't even consider buying if my aim is after a measly gain.

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Great Loser

Buffett: The stock market is a device for transferring money from the impatient to the patient.

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Lionel Essi

都要来减息潮了。所以good luck

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Lionel Essi

升息银行股受惠。降息银行股也受惠？？！ good luck.

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Kah Hoe

如果降息，更多人去借钱，银行不会受惠吗？

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Tedious K

Mr Lion , you never hold any bank stock and yet so busybody here. Why pretend to be expert? Hahaha

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keng ming roland choo

虎弟，CIMB浮動幅度很大，小心被套牢。

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Lionel Essi

说不过就说其他东西了。哎. 谁能prove 我升息降息其实对银行是没影响的。good luck

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Tim Lee Donghye

Lower interest rates mean more borrowing because it's affordable, especially for home ownership. Compared to US and other's regional banks , Malaysia rates are among the lowest. In the event of a rate cut in US, the interest rate gap will narrow with Malaysia. And that's a chance for local currency to rally. Just my personal opinions. Best of luck trading

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Lionel Essi

then people shouldn't say opr increase bank earn more profit. or vice versa.

anyway, I'm just brought out this topic to let people know that opr increase or decrease actually not really significantly impact the bank profit. there are other factors influence the banks profit. thats it. Good luck.

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keng ming roland choo

Yes, agree with Tim that lower interest rate will inject much needed vitality to our business environment.

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4 B

Lionel Essi

Let’s share knowledge. We knows banks makes tons of “free” money whenever BNM increase OPR.

Maybank makes extra around RM100 mil each month and decrease gradually over few months for every 25 bps increment.

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4 B

And banks also have their own analysts. When they anticipate BNM will lower OPR in the near future. They will position their FD rate in a very “funny” way. So that, if tmr BNM lower the OPR, no depositor will enjoy high rate for 12/15/24 months tenure.

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4 B

Each banks has its “own” target audience. RHB loves salaried borrower. Alliance Bank loves high net worth borrower.

And for those who invest in banking stock, we know banks earn from a lot of different source, like NIM, fee, insurance and etc.

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4 B

So sometimes, to claim a single negative news will affect bank. It’s rather too simplistic.

And we haven’t even touched “Creative Accounting” yet. This one work wonders to banks advantage if apply properly.

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4 B

I used to hate bank last time with the way they charge every single thing.

But then I realised, as the saying goes ..
WHEN YOU CAN’t BEAT THEM, JOIN THEM !

So I start buying licensed Ah Long..
Now, I made 6 figures dividend income from MBB alone every single year.

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4 B

I can write further .. but lazy.
But one thing for sure ..
I won’t DELETE my comments

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Chee Weng Yeap

每年十万利息收入？？？？？

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4 B

See .. that joker deleted his message again ..
be more mature man .. u left my message hanging there like talking to a ghost .. haiya

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Tim Lee Donghye

Of course, higher rates mean higher returns, but at high costs will dampened demand for loans. Slower growth is bad for the economy.

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Billy Looi

rm1mil portfolio based on maybank div rate of 8% also only give you rm80k yearly. so you have more than RM1Mil in MBB stock ?

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Edmund M

Well, 1 million worth of holding is not far away.

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Lim AS

6.5% only ! 1million shares may give you around 65k per year .

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Billy Looi

that's why. he said he get 6 figure dividend from maybank alone.. so must be very huge shareholder over rm1mil just one stock holding

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Lionel Essi

here got many invisible multi billionaire one. Good luck

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Billy Looi

Hahaha.......

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Edmund M

I agreed with Lionel that a million today is no longer a big deal.

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Casey

EPf 在丢货把股价拉低

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Tim Lee Donghye

The largest shareholders keep selling lately. But nothing to worry

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Lionel Essi

meaning something shity is going happen? Good luck

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Tim Lee Donghye

End of the year book closure reports. Funds need to adjust earnings and sometimes dispose of investments to cover yearly dividends. Is common practices

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Eddy A

Blue chip investment is not just for everyone. Coward should avoid it.

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金融科技

不是说不好。。是说太高了。。。会调整再进货

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