Category Archives: Bank

Bank Rakyat Mengumumkan Dividen Tunai Sebanyak 13% – Tahun 2016

Bank Rakyat, bank koperasi Islam terbesar di Malaysia telah mengumumkan dividen tunai sebanyak 13%, berjumlah RM385 juta bagi tahun kewangan berakhir 31 Disember, 2015 berbanding 15% pada 2014.

Bank tersebut mencatatkan keuntungan sebelum cukai dan zakat sebanyak RM2.01 bilion berbanding RM2.19 bilion dicatatkan pada 2014.

Semasa mengumumkan keputusan kewangan bank itu, Pengerusi Bank Rakyat Jeneral Tan Sri Datuk Seri Abdul Aziz Zainal berkata dividen tersebut diumumkan berdasarkan pengukuhan perolehan sebanyak RM6.43 bilion yang dicatatkan pada tahun lepas berbanding RM6.06 bilion yang diraih pada 2014.

Dividen tersebut akan dibayar kepada ahlinya mulai esok.

“Dividen yang diumumkan bagi 2015 lebih rendah berbanding 15% pada tahun sebelumnya, tetapi 13% dianggap tinggi dengan keadaan ekonomi semasa.

“Namun, kami akan berusaha untuk meningkatkan pulangan dividen antara 13-16% pada masa depan,” kata Abdul Aziz kepada pemberita di sini hari ini.

Bank tersebut menyumbang 2% atau RM39.2 juta daripada keuntungan sebelum cukai dan zakat kepada Kumpulan Wang Amanah Pendidikan Koperasi dan 1% atau RM19.6 juta kepada Kumpulan Wang Amanah Pembangunan Koperasi.

“Kami berharap jumlah sumbangan bagi 2015, yang berjumlah RM58.80 juta, akan membantu sektor koperasi di negara ini,” katanya.

Abdul Aziz berkata baki pembiayaan kasar Bank Rakyat, tahun ke tahun, mencatatkan peningkatan sebanyak 3.8% atau RM2.36 bilion kepada RM64.46 bilion walaupun langkah ketat oleh pihak berkuasa untuk menangani petumbuhan hutang isi rumah.

“Pembiayaan kasar pengguna turut meningkat sebanyak RM2.87 bilion kepada RM59.58 bilion berbanding RM56.71 bilion pada 2014,” kata Abdul Aziz.

Jumlah deposit naik 3.6% atau RM2.46 bilion kepada RM70.98 bilion berbanding RM68.52 bilion dicatatkan pada 2014.
Jumlah aset meningkat 3.5%, tahun ke tahun, kepada RM92.40 bilion berbanding RM89.31 bilion dicatatkan pada 2014 sejajar dengan pertumbuhan ekonomi yang perlahan.

Abdul Aziz menyifatkan prestasi bank itu sebagai cemerlang berdasarkan tahun yang mencabar berikutan kesan daripada perkembangan dalaman dan luaran.

“Bagaimanapun, kami terus mengekalkan kedudukan kami sebagai bank koperasi Islam terbesar di negara ini dan menerajui institusi kewangan Islam dari segi keuntungan,” katanya.

Malaysia Goverment Spent Near to RM300 Million for GST Implementation – Year 2016

KUALA LUMPUR: The government spent near to RM300 million just for implementation of the Goods and Services Tax (GST) started on April 1, 2015.

This amount covered training grants, GST-compliant accounting software for small and medium scale enterprises (SME)s, as well as development of the MyGST system.

The RM300 million covers training grants, GST-compliant accounting software for SMEs and development of the MyGST system.

In the Dewan Rakyat today, the Finance Ministry said among the RM300 million, RM98 million was used on development of the MyGST computerisation system, developed by the Royal Malaysian Customs Department (Customs).

On the other hand, another RM94 million went towards subsidy for the purchase of GST-compliant accounting software managed by SME Corporation Malaysia.

The government also spent RM52.8 million for training grants which including seminars/briefings, handholding programmes and grants for training to associations/non-government bodies.

In addition, RM38 million was used on publicity programmes in different media channels, as well as GST awareness campaigns.

“The government through Customs and in collaboration with non-government bodies, as well as business organisations, implemented the training and awareness programmes.

“It was to help businesses gain a deeper understanding of the GST to achieve more effective compliance and implementation,” it added, in response to a question from Tan Sri Abdul Khalid Ibrahim (Independent-Bandar Tun Razak).

Abdul Khalid had asked for details of the GST implementation and a detail breakdown of the operations costs.

The Finance Ministry said as of last Dec 31, 6,547 training and awareness programmes on the GST had been implemented nationwide and involved about 600,000 participants.

Pemegang Kad Kredit Wajib Guna Nombor Pin – Year 2016

PADANG BESAR 18 Mac – Mulai tahun hadapan, semua pemegang kad kredit diwajib memasukkan nombor pin keselamatan sebelum sesuatu transaksi boleh dilakukan berbanding penggunaan tandatangan pada masa kini.

Chua Tee Yong (tengah) melihat pelan Kilang Industri Kecil Sederhana (IKS) sambil diberi penerangan oleh Pengurus Besar Perbadanan Kemajuan Ekonomi Negeri Perlis (PKENPs), Norsiake Kassim (kiri)) di Kawasan Perindustrian Padang Besar, Perlis, semalam.

Langkah itu bagi mengatasi penyelewengan kad kredit yang kini mencatatkan kerugian antara RM30 hingga RM40 juta setahun atau 0.03 sehingga 0.04 peratus daripada nilai transaksi setahun.
Timbalan Menteri Kewangan, Datuk Chua Tee Yong berkata, penggunaan nombor pin keselamatan untuk setiap transaksi kad kredit merupakan langkah diambil kerajaan bagi menambah baik sistem keselamatan kad berkenaan.
“Walaupun peratusan penipuan ked kredit di negara ini kecil iaitu antara 0.03 hingga 0.04 peratus, nilainya tinggi iaitu RM30 juta hingga RM40 juta,” katanya dalam sidang akhbar di sini hari ini.
Beliau berkata demikian selepas meninjau perkembangan pembinaan sebanyak 12 buah bangunan kilang industri kecil dan sederhana (IKS) di Kawasan Perindustrian Padang Besar.
Menurut Tee Yong, pihak kerajaan berpuas hati dengan tahap keselamatan perbankan Internet yang mempunyai ciri-ciri keselamatan yang sudah dinaik taraf.
“Bagaimanapun kita perlu menambah baik lagi sistem keselamatan transaksi kad kredit di premis-premis perniagaan bagi mengelak penyelewengan.
“Ini disebabkan sistem keselamatan sedia ada agak lemah kerana kebanyakan peniaga tidak membandingkan tandatangan pada resit dengan yang tertera pada kad kredit,” katanya.
Dalam pada itu, Tee Yong memberitahu, projek pembinaan kilang berkenaan yang menelan belanja RM5.4 juta dijangka dapat disiapkan pada Oktober ini.
Beliau berharap ia dapat menjana peluang pelaburan dan pekerjaan bagi penduduk negeri ini, khususnya dalam sektor peruncitan dan perdagangan.
“Kita yakin kedudukan yang strategik antara Thailand dan Perlis, kilang ini dapat memberi impak besar kepada ekonomi negeri,” katanya yang memberitahu setiap unit kedai itu dijual antara RM500,000 sehingga RM1 juta.

New BNM Governor Should Focus on Inflation and Monetary Policy – Year 2016

KUALA LUMPUR: The new central bank governor replacing Tan Sri Dr Zeti Akhtar Aziz will have to focus on reducing the country’s inflation rate and reviewing monetary policies.

According to Chairman of the Centre for Public Policy Studies (CPPS) Tan Sri Dr Ramon Navaratnam, it is appropriate that the new governor to review and understand the role of the central bank first before making any changes.

Ramon: It is appropriate that the new governor to review and understand the role of the central bank first before making any changes.

“First review the whole position and don’t take any action. He or she must understand the roles of the central bank on what are they doing and what they have done.

“Brainstorm with the senior officers, public sectors and private sectors first and ask them what they think of Bank Negara’s monetary policy, its view on government, fiscal and other policies.

Ramon says after three to six months in office, a change in policies can be done if necessary, after having discussions with all stakeholders and relevant parties.

“After studies and consultations have been made with the public and private sectors and the government, then look into the possibility of changes in policy if necessary.

“I think the priority is to tackle inflation, how to bring the exchange rate to a more respectable level and ensuring the continuity in strengthening the financial banking system,” he said.

Ramon added, the government should announce Zeti’s replacement as early as possible to reduce the impact on instability of the local market due to investors; concern.
Asked about who should replace Zeti, he said the candidate should not be a politician.

Zeti who has been BNM Governor for 16 years, is due to retire in April and had said that she would not stay for another term.

BSN eyes 72,000 Credit Card holders on 2016

KUALA LUMPUR: Bank Simpanan Nasional (BSN) is eyeing 72,000 new credit card holders this year, up by 20-30 percent from last year, said Vice-President/Head Cards Business Department, Mohd Sofian Amirudin.

He said the spending pattern of customers which is expected to continue growing by 30-40 percent this year, coupled with the introduction of several new cards by BSN, would help the government-owned bank achieve its target.
BSN will continue to attract customers from the education industry as well as government servants, given the attractive rate offered for these segments.

“Teachers are a huge market for us. We have introduced the 1Teacher Card with a low profit charge rate of 8.8 percent for them. It is the lowest in the country compared to the 17.5 percent mostly offered by other banks,” Mohd Sofian said.

He told reporters this after a mock cheque presentation ceremony to winners of the BSN “Impian Tunai 8 Kembali Lagi” campaign by Deputy Chief Executive, Ahmad Latfan, here today.

To date, BSN’s customer base for credit cards stands at 200,000 with a monthly absolute spending value of RM60 million.

For the 1Teacher Card, BSN currently has more than 80,000 members and aims to issue another 30,000 cards this year.

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