哈希游戏
热门标签

皇冠足球投注网:Alliance Bank sees competition in SME space from digital banks

时间:1个月前   阅读:12   评论:7

皇冠足球投注网www.hg9988.vip)是皇冠体育官方投注网,开放皇冠信用网代理申请、信用网会员开户,线上投注的官方平台。

Joel Kornreich

KUALA LUMPUR: Alliance Bank Malaysia Bhd is projecting strong competition in the small and medium enterprise (SME) space from the new digital banks that recently obtained licenses from Bank Negara Malaysia (BNM), group chief executive officer Joel Kornreich said.

The SME segment is among key businesses to drive the bank’s financial performance.

"So, (it is) not really (competition) in the consumer space, but in the SME space. Their (digital banks) aim is also to try and serve the smaller SMEs and newly establish SMEs.

"So that is a space where we will be competing in. What we are trying to do is to provide a convenience," he told reporters in a virtual press conference at the bank's annual general meeting.

Hence, he said the bank will be utilising various channels -- both digitally and physically -- to reach out to more SME customers.

‘’For example, we can provide unsecured loans of up to RM500,000 based on statements over a period of six months for these clients,’’ he said.

As for the consumer (loan) segment, Kornreich said the group is "somewhat tightening our criteria in the market" amid the rising inflation and (rising) interest rate.

Kornreich said the bank has not seen loan demand slowing down yet, despite BNM increasing the overnight policy rate (OPR) twice amid mounting inflation.

,

Telegram美国群www.tel8.vip)是一个Telegram群组分享平台。Telegram美国群包括Telegram美国群、telegram群组索引、Telegram群组导航、新加坡telegram群组、telegram中文群组、telegram群组(其他)、Telegram 美国 群组、telegram群组爬虫、电报群 科学上网、小飞机 怎么 加 群、tg群等内容。Telegram美国群为广大电报用户提供各种电报群组/电报频道/电报机器人导航服务。

,

So far, the industry loans growth is about five per cent this year.

He said on an annualised basis, an OPR hike of 25 basis points means about four basis points of benefit for the bank.

‘’That is about RM20 million to RM25 million of benefit because our balance sheet is geared in such a way that it benefits from rises in the OPR. And of course, it gets hit when the OPR goes down.

‘’We have over the past couple of years moderated those effects because we believe that at the end of the day, it is our core business that matters and we do not speculate on the rates going up or down but we can say that there is in fact, an impact when that happens,’’ he noted.

As for the calendar year 2022 financial performance, the bank remains guided by its financial year 2023 (FY2023) projections.

Alliance Bank is aiming to achieve gross loans growth of between six to eight per cent, a return on equity of more than 10 per cent and cost-to-income ratio of over 45 per cent in FY2023.

It also targets to achieve RM2.6 billion in new banking business and will roll out sustainable financing propositions under the Low Carbon Transition Facility for SMEs initiative.

Alliance Bank’s net profit jumped to RM572.82 million in financial year ended March 31, 2022 from RM358.78 million in the preceding year, largely due to higher revenue from net interest income and a lower provision for expected credit losses.

Revenue for the year was slightly higher at RM1.87 billion compared with RM1.82 billion previously. - Bernama

上一篇:新2投注平台出租(www.hg108.vip):UN says global youth unemployment set to slip to 73 million this year

下一篇:皇冠足球信用平台出租:Sapura Energy owners’ stake increase a good sign

网友评论

  • 2023-01-08 00:11:21

      “创新所优化出来的费用,一部分让利给了源头的农民,一部分给到了终端的消费者。在生鲜农产品交易上,我们始终坚持‘零佣金’政策,这也带动了一些小品种迅速发展成为国民水果”,拼多多可持续发展和农业影响力执行总监林欣仪表示,哪怕只是对接上了一小群消费者,也足以让某些小品种可持续种植,“这在一定程度上保护了生物多样性”。很给力的感觉