Be careful on those banks that use "internal approach" that contains a lot of tweaking parameters to reduce the risks so that they are able to "please" shareholders with good dividends. Under Basel 4 implementation, those banks could suffer liao coz a more stringent approach will be used to calculate asset risk, thereby reducing their ability to pay dividends.. Rgd which banks that use internal approach, do homework lo

是的，比起别的银行股，股息不够高。不过当我看了这文章后，有所启发：
https://coldstockinvesting.blogspot.com/2025/08/is-hlbankhlfg-really-that-giam-siap.html

那些银行用internal approach 来算asset risk的 （如我们的高息银行股），可能以后股息就会被影响了。

为何不低估呢？想请教一下

ya, pretty strange.. Celebrating the new chairman on board?