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Malaysia Banking Industry1h11 – Overview,trends,analysis,outlook And Swot

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Emerging Markets Direct released their latest Malaysia Banking Industry Report 1H11. Contributed by higher net interest and financing income and revenue related to financing activities, the pretax profit of Malaysia Banking Industry increased by 17.8% y-o-y to RM6.13 million in 3Q10. As of September 2010, total assets held by financial institutions in Malaysia amounted to RM1, 508.57 billion, a record growth of 10.12% y-o-y. Commercial banks represent the largest segment of all financial institutions in Malaysia (total asset at RM1, 192.84 million), with Maybank taking up 27.18% of the local market share and ranking first domestically.

About 55.61% of total loans in the Malaysian banking system is driven by the household sector (eg. Mortgage,hire purchase loans for passenger cards and personal loans), which was up 13.4% y-o-y as at September 2010. Education, health and other sectors saw a robust growth in total loans at a rate of 69.83% y-o-y. Overall, the total loans in the banking industry grew by 11.84% y-o-y to RM854.18 billion.

The banking system remains very stable with ample liquidity to meet demands for deposits withdrawals. In the third quarter of 2010, deposits saw a growth of 8.90% y-o-y, which was mainly derived from financial institutions, businesses and individuals. The loan-to-deposit ratio as well as the financing-to-deposit ratio were rather stable and remain at 81.3% and 87.8% respectively.
To sustain high level of stability, the banking system adheres to the rules and requirements specified under Bank Negara Malaysias mandate. All banking institutions in Malaysia are required to comply with the Risk-Weighted Capital Ratio requirement (8%) set by the central bank. As of 3Q10, the ratio remained strong at 14.75%, far more than the specified ratio.

Growth story continues in the Islamic banking segment, Islamic banking in Malaysia is the fastest growing sector in the global banking industry with an average annual growth rate of 20% over the past 5 years. Malaysia is the worlds largest market for sukuk or Islamic bond market, which takes up around 65% of the global market share. To date, Malaysia has 17 Islamic banks including Islamic units in HSBC holdings, OCBC and Standard Chartered PLC.

What is the development of Mobile Banking? How does the central bank and government offer assistance to the Small and Medium Enterprises (SME)? What are the mergers and consolidations activities set out in the Financial Sector Master Plan? What are the trends and outlook of the industry?

Profit now from our Malaysia Banking Industry report:
http://www.emergingmarketsdirect.com/products/Malaysia-Banking-Industry.html

Table of Content
1. Industry Profile
Sector Overview
Sector Size and Value
Total Assets
Total Loans and Deposits
1.2.3 Interest Rates
1.3 Sector Performance
1.3.1 Financial Institution Profit and Loss
1.3.2 Capital Adequacy Ratio (CAR)
1.3.3 Non-Performing Loan (NPL) Ratio
2. Market Trends and Outlook
2.1 Islamic Banking
2.2 Mobile Banking
2.3 Small and Medium Enterprises (SMEs)
2.4 Industry Consolidation
3. Leading Players and Comparative Matrix
3.1 Leading Players
3.1.1 Malayan Banking Berhad (Maybank)
3.1.2 Public Bank Berhad (Public Bank)
3.1.3 CIMB Group Holdings Berhad (CIMB)
3.1.4 RHB Capital Berhad (RHB)
3.1.5 Hong Leong Bank Berhad (Hong Leong)
3.2 Comparative Matrix
3.3 SWOT Analysis
4. Tables & Charts
Table 1: Banking Institutions in Malaysia
Table 2: Breakdown of Total Loans by Sector (December 2006 September 2010)
Table 3: Breakdown of Total Loans by Purpose (December 2006- September2010)
Table 4: Interest Rates in Malaysia 2006 2008,1Q09 to 3Q10
Table 5: Top 25 Countries by Shariah-Compliant Assets
Table 6: Number of Establishments by Sector
Table 7: CIMB: Profit before Tax by Segment FY08, FY09
Table 8: CIMB: 2009 Target Achieved
Table 9: Financial Highlights of the Leading Players FYE09 or FYE10
Chart 1: Malaysias GDP and Growth Rate 2006-2010
Chart 2: Total Assets by Types of Financial Institutions as at September 2009 and 2010
Chart 3: Total Assets of Nine Domestic Banks in Malaysia as at September 2010
Chart 4: Total Loans and Growth Rate September 2007-September 2010
Chart 5: Loan Disbursements by Sector 2Q09,3Q09,4Q09,1Q10,2Q10,3Q10
Chart 6: Banking Systems Loan Applications and Growth Rate 1Q07 3Q10
Chart 7: Loan applications vs Loan Approvals 1Q06 3Q10
Chart 8: Banking Systems Total Deposits as of September 2010
Chart 9: Banking Systems Total Deposits 2005-Sept 2010
Chart 10: Total Deposits by Types of Financial Institutions 2009 and September 2010
Chart 11: Loan/Financing to Deposit Ratio April 2009 September 2010
Chart 12: Overnight Policy Rate March 2006- September 2010
Chart 13: Commercial Banks Lending Rates 2006 2008, 1Q09 to 3Q10
Chart 14: Banking Systems Capital Ratios March 2006-September2010
Chart 15: Banking Systems Net NPL Ratio March 2005 – September 2010
Chart 16: Mobile Users Worldwide by 2011
Chart 17: Maybank: Net Income by Business Activity FY2010
Chart 18: Public Bank Loan Loss Coverage 2005-2009
Chart 19: Public Bank Asset Growth 2005-2009
Chart 20: CIMB Groups Earnings History 2005-2009
Chart 21: RHB Bank: Loans, Advances and Financing 2005-2009
Chart 22: RHB Bank: Total Deposits 2005-2009
Chart 23: RHB Bank: Operating Revenue by Business Segment in 2009
Chart 24: Intrinsic Value of Hong Leong Bank FY2006-2010
Chart 25: Hong Leong Bank Total Loans and Deposits at Bank Level FY 2006-2010

Banking Firm Jacobson Group Net Added New Professionals

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Jacobson Group (Jacobsongroup.net) is one of New York’s most prominent investment banking firms serving middle-market companies, recording several’s successful transactions in 20 years of service. Founded in 1989 in New York. Today, Jacobson Group has over fifty professionals to serve you.

Having no direct lending sources or investment capital affiliates, Jacobson Group provides unbiased guidance and an extensive range of services for middle-market companies planning to sell a company, buy a company or in need of capital resources. We represent only one side, your side. Imagine the advantage of tapping into the expert skills of a Jacobson Group Principal who knows both sides of a deal.
An important ingredient in the success of Jacobson Group is our offering personalized service to complete complex transactions. This is evident in our organizational structure: it is purposefully flat. Principals, supported by regional teams, and industry practice groups, work directly with clients to provide expert guidance from project inception to completion. There is no “hand-off” to a junior team; you can count on the advice of a Jacobson Group senior professional throughout your engagement.

Selling middle-market sized companies is always a challenge. Over its 50 year history, Jacobson Group has refined its processes to protect the confidentiality of the seller yet reach out to a huge “rolodex” of interested buyers in Europe and Canada. We tame the inherent complexity that is the nature of mergers, acquisitions and securing capital resources.

In today’s complex and evolving financial markets, we remove the burden of exploring specialized transactions. You and your senior management will focus valuable time on growing your company with a Jacobson Group expert on your team. Don’t enter a complex financial transaction without the best representation. Contact your local Jacobson Group Principal and start the process now.

About Jacobson Group Net, New York, USA
Jacobson Group is one of the oldest and largest middle market investment banking firms in New York. Jacobson Group helps owners of privately held companies navigate the complex process of selling your business, buying a company or financing a company while working relentlessly towards maximizing the after-tax value of each transaction. To ensure unbiased service to our clients, we’ve made a unique commitment to remain fully independent with no direct lending sources or investment capital affiliates.

Safety Techniques For Net Banking Content Use in Some Corporations

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Encryption will be the first line of defense for net banking safety. Banks have 128-little bit basic safety and call for you to obtain it within the browser you use. Encryption is basically only a system that puts your data right into a code. That code is indecipherable devoid of a crucial. Quite a few banks use the Secured Socket Layer encryption for customers’ web banking transactions. This is often a particular form of encryption. The program will use a different grasp critical to put every transaction into code and then that code will not be applied for other transactions. Banks also compensate considerable focus to their firewalls. They would like to be assured that their world-wide-web banking technique is safeguarded from attacks over the world wide web. So, they’re not linked straight to your web. Their connection is built through a firewall which blocks undesirable action for the server. Distinctive consultants are employed by web banking firms to assist with stability, very. They do this by attempting to hack in the lender’s secure server. The moment they do, they know how it might be accomplished. Then, they come up with approaches to avoid it from happening. A person technique which has come from employing these types of consultants in world-wide-web banking will be the use of two component authentication. With this type of protection, an discover number will be despatched for you more than your mobile phone to use together with your other identifying data. With all this data along, you may access your accounts. This really is a lot more protected. Most web banking establishments may also guard you from yourself in some approaches. If you are by using your computer to go on the net and do internet banking transactions, you can’t allow the pc sit idle. Should you don’t use it for the particular time period, the traditional bank will conclude your session and your will need to do a safe log-in all over again. This prevents everyone from locating your accounts web page open and employing it without your consent. Clicks to bricks banks will usually provide you with a username plus a short-term password. You may then select your personal password along with other security capabilities. Virtual banks allows you to choose each your password as well as your username. They may never ever have entry to this data. This means that it truly is protected in your case to utilize. World-Wide-Web banking can be a tough pill for many individuals to swallow. In particular for people who didn’t increase up with personal computers, it might seem slightly unreal to control your income online. On the other hand, net banking safety makes all of us breathe a bit less complicated. World-Wide-Web banking gives buyers the capacity to transfer funds amongst accounts. That is an important support as the planet turns into a smaller sized spot. There are numerous places people today desire to switch dollars and quite a few causes to try and do so. Folks usually wish to exchange cash from a single account to yet another. For instance, they might wish to exchange cash from their classic account to their world-wide-web banking accounts. This could be a means of acquiring income into the accounts properly.

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Crooks, Conmen, And Offshore Banking

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Is offshore banking just for crooks and conmen? Well, let me put your mind at rest and say, no.

An offshore bank account is simply a bank account in another country. Some people have them because they were born there. Some have them because they do business abroad. Some have them because they want to have money kept safe from nuisance law suits. Some have them because their own government is unstable. Some have them because their own currency is unreliable. Some have them because they want to hide money from the wife!

There are other advantages too. First, no tax is deducted from interest earned on deposits. Secondly, there will, or should be, be no active onshore bank accounts to aggravate your case for non-resident classification the Inland Revenue or IRS. And, third, private offshore banking is strictly confidential.

You might also want private offshore banking to:

– Expand your business; – Simplify business administration; – Asset protection; – Global and/or tax-free investing; – Trade worldwide.

Simplicity of operation may be even more important than lower taxes. If you are planning to set up a company other than a bank or other finance-related company, then you will find certain jurisdictions to be more suitable for business operation. Different countries obviously have different laws, and there may be huge differences between them.

Any country that is not your home country may be considered offshore and many of these provide as much or more safety to you and your banking offshore needs.

Some banks will open a so-called numbered account. A numbered account is maintained under a number (or a false name) only; the actual account holder’s name is protected by the bank. Such accounts may be held by both individuals and corporations. The bank itself must know who you are, under ‘due diligence’ and ‘know your client’ rules.

Also, another benefit of going offshore is you may save money in taxes. Offshore banks are located in tax havens. Not having to pay taxes can save businesses significant amounts of money and is the main reason, other than privacy, that individuals choose offshore bank accounts.

However, you don’t have to be ultra-rich. All you have to be is an entrepreneur interested in doing business abroad or via the world wide web.

Because credit cards provide easy access to offshore funds and accounts in tax haven countries, this situation allows income to be hidden. Although is not illegal to have an offshore credit card, the average person does not need one. Some individuals use offshore credit cards to evade paying taxes.

This is a foolish reason to get an offshore account. If you are resident in and doing business within a country, you are subject to its tax laws. If you are also a native, your ‘wiggle room’ with regard to local taxes is likely non-existent. Take advice from a specialist accountant before trying to hide the revenue from your dry-cleaning business!

If, however, you are doing business abroad, and your money stays abroad, and/or you’re are not domiciled in the country you’re operating from, it becomes progressively easier to own and operate an offshore bank account legitimately. You just need to get up-to-date on local tax law.

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Airtel Prepaid Recharge From Airtel Online Recharge Net Banking And Get Airtel Recharge Code

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Airtel is considered to be one of the most popular and one of the best mobile services in India. Built on the Airtel of catering communication advantages to the remotest regions of the country, the Airtel prepaid recharge offers have successfully precipitated as the best prepaid recharge offers provided by any other mobile services in India.
With its regional airtel recharge code slowly and gradually capturing the market, Airtel has continuously delivered some of the most attractive prepaid recharge offers for all of its users in India. What makes Airtel special is its conceptualization behind each and every recharge offer that it caters to its customers in each and every part of this country. Airtel knows it quite well that communication is the only crucial element which can help bring the light of development in all the regions of the country.
Airtel new unlimited night calling packs for the Airtel subscribers in Bihar and Jharkhand is a welcome change from the regular talktime packs. The new airtel online recharge net banking is the best payment option for prepaid mobile users. Payment can be proceed within no second and your mobile will be recharged very fast compared to other operators.. This particular talktime pack is valid for one month or 30 days. This recharge is also available as online Airtel recharge. So get your Airtel connection today and recharge your number with Rs. 74 recharge. Keep talking all night long until you lose your sleeplessness and die for some rest! Thus pack is specially meant for people who love to be in touch with their loved ones for a longer period of time.
Full talktime offers have always been in great demand for the usual reason of tax subtraction from a normal recharge voucher. Full talktime offers from Idea have already gained much popularity among its customers in other parts of the country. Adding to the benefiting factor of invincible network coverage and brilliant GPRS service, Idea has always been recognized as one of the most reliable and the most sustainable network service provider in India. Mobikwik.com has proved itself to be the best platform for online mobile recharge. All you need to do is visit the website, create your own account and an e-wallet or an online monetary account in the website, select your recharge and just click to recharge.
With mobikwik.com, recharging a mobile account has become easy. All you need to do is register yourself with the website, add on the e-wallet or Mobikwik balance and recharge your mobile prepaid account instantly. The Airtel Rs.98 Special Recharge GPRS pack is also available as Airtel online recharge for its users in Assam.