Sunday, May 16, 2010

Balance Transfer and other rates

Balance Transfer

Financing Tenure, Profit Rate, (flat per anum)
2-5 years 8.50%
6-7 years 11.99%

Base on Credit Card Limit
15000 x 0.37 = 5550
= 5550 x 5
= RM27,750.00

Monthly Payment
= RM27,750 x 8.5%
= RM2358.75 x 5 =RM11,793.75
= 39,543.75 /60
= RM 659.06

Highest Card Limit Range Avg Multiplier
Below RM 11,999 0.52
RM 12,000 - RM 16,499 0.37
RM 16,500 - RM 29,999 0.33
RM 30000 & Above 0.32

Corporate Community Select

Financing Tenure, Profit Rate, (flat per anum)
2-5 years 7.50%
6-7 years 11.99%
minimum salary RM 2000

Exp :-
25,000 x 7.5%
= 1875 (profit p.anum)
= 9375 (profit for 5 years)
= 25,000 + 9375
= 34,375 /60
= RM 572.91 (Monthly Payment)

Customer Disbursement
25,000 - 250 (Gov Tax)
= 24,750 -0.5% (Delivery Charges)
= 24,625.25 - 118.75(Insurans - Age(31years)
= RM 24,506.50

Personal Financing Product (Mass Market/ Private Sector)

Financing Tenure, Profit Rate, (flat per anum)
2-5 years 9.99%
6-7 years 11.99%

Balance Transfer

Financing Tenure,Profit Rate, (flat per anum)
2-5 years 8.50%
6-7 years 11.99%

Corporate Community Select

Financing Tenure,Profit Rate, (flat per anum)
2-5 years 7.50%
6-7 years 11.99%

Mass Market/Private sector rate 9.99 to 11.99 %

Personal Financing Product (Mass Market/ Private Sector)

Financing Tenure, Profit Rate, (flat per anum)
2-5 years 9.99%
6-7 years 11.99%
minimum salary RM 2000
Exp :-
25,000 x 9.99%
= 2,497.50 (profit p.anum)
= 12,487.50 (profit for 5 years
= 25,000 + 12,487.50
= 37,487.50 /60
= RM 624.79 (Monthly Payment)

Customer Disbursement
25,000 - 0.5% (Delivery Charges)
= 24,875 -250 (Gov Tax)
= 24,625 - 113.25 (Insurans -Age(34years)
= RM24,511.75

8.4% profit rate for 4 selected companies

1 CCSE1CWARE Careware Systems Sdn Bhd AMCORP, PJ 8.40%
2 CCSE1TRX Trax Associates S/B Damansara Heights 8.40%
3 CCSE1BAM Badminton Association Malaysia Bukit Kiara 8.40%
4 CCSE1TRSB TankQuip Resourse Sdn Bhd Shah Alam 8.40%

8.25% profit rate for 6 selected companies

1 CCSD1GMI German Malaysia Institute Tmn Shamelin Perkasa 8.25%
2 CCSD1SHB Sapura Holding Berhad TPM, Bukit Jali 8.25%
3 CCSD1ITS ITS Testing Services S/B PJ 8.25%
4 CCSD1UNM University of Nottingham Malaysia Semenyih 8.25%
5 CCSD1EMCM Evergreen Marine Corp (M) Sdn Bhd Shah Alam 8.25%
6 CCSD1PBLT Pembinaan BLT Sdn Bhd Putrajaya 8.25%

8% profit rate for 6 selected companiese

1 CCSA1PJH Putrajaya Holdings S/B, Block 1, Menara PJH, No.2 8.00%
2 CCSA1PEPS PEPS-JV (M) SDN BHD Batang Kali 8.00%
3 CCSA1MDCSB Multimedia Development Corporation S/B, Cyberjaya 8.00%
4 CCSA1KLAS KL Airport Services Sdn Bhd Sepang 8.00%
5 CCSA1MCB MALAKOFF Corporation Bhd KL 8.00%
6 CCSA1ARK ARK Resources Berhad KL 8.00%

7.75% profit rate for 3 selected companies

1 CCSA1MBF MBF Cards (M) Sdn Bhd KL 7.75%
2 CCSA1MAERSK KL Marine Agencies Sdn Bhd (MAERSK) Shah Alam 7.75%
3 CCSA1TEMSB Toshiba Electronics Malaysia S/B,Kuala Langat, Selangor 7.75%

7.5% profit rate for 71 selected companies

1 CCSA1NSTP NSTP (M) Bhd No.16 Jalan U8/85 7.50%
2 CCSA1UIA International Islamic University Malaysia,7.50%
3 CCSA1FLM Farlim Group Bhd,No.2-B,Bangunan Farlim, 7.50%
4 CCSA1CLM Celcom Berhad Menara Celcom, No.82 7.50% RM0
5 CCSA1KSTM Kastam DiRaja Malaysia Kompleks Kastam Wilayah 7.50% RM0
6 CCSA1KSS Kesas Sdn Bhd Wisma Kesas, Shah Alam 7.50% RM0
7 CCSA1WDM Western Digital Malaysia S/B Sungei Way,PJ 7.50% RM0
8 CCSA1MAY Maybank Berhad KL 7.50% RM0
9 CCSA1MAS Malaysia Airlines LTSAAS 7.50% RM0
10 CCSA1MCO Mitco KLCC 7.50% RM0
11 CCSA1TME Time dotcom Berhad KL 7.50% RM0
12 CCSA1KTM KTMB KL 7.50% RM0
13 CCSA1TI Takaful Ikhlas KL 7.50% RM0
14 CCSA1YHS Yasmin Holdings S/B KL 7.50% RM0
15 CCSA1MFZ Mofaz Group PJ 7.50% RM0
16 CCSA1BCS Brunsfield S/B KL 7.50% RM0
17 CCSA1PECD PECD Group Shah Alam 7.50% RM0
18 CCSA1HTC Hitachi Malaysia Berhad Bangi 7.50% RM0
19 CCSA1PNS Panasonic Compressor Malaysia,Shah Alam,7.50%
20 CCSA1EONB EON Bank Berhad KL 7.50% RM0
21 CCSA1SHL Shell Malaysia Damansara Heights 7.50% RM0
22 CCSA1MAB Malaysia Airport Holding Berhad Subang 7.50% RM0
23 CCSA1KIB Kurnia Insurans Berhad PJ 7.50% RM0
24 CCSA1SMN Siemans Malaysia Sdn Bhd PJ 7.50% RM0
25 CCSA1POS Pos Malaysia Berhad KL 7.50% RM0
26 CCSA1LTH Lembaga Tabung Haji Kelana Jaya 7.50% RM0
27 CCSA1ALB Alliance Bank Berhad KL 7.50% RM0
28 CCSA1RHB RHB Bank Berhad KL 7.50% RM0
29 CCSA1FCN FibreComm Network Berhad KL 7.50% RM0
30 CCSA1PTNS Petroliam Nasional Berhad (PETRONAS) KL 7.50% RM0
31 CCSA1VADS VADS Berhad Taman Tun 7.50% RM0
32 CCSA1AST Astana Internasional Sdn Bhd KL 7.50% RM0
33 CCSA1MPSJ Majlis Perbandaran Subang Jaya Subang Jaya 7.50% RM0
34 CCSA1JPJ Jabatan Pengangkutan Jalan KL 7.50% RM0
35 CCSA1RPKL Rangkaian Pengangkutan Integrasi Deras PJ 7.50% RM0
36 CCSA1CIMB CIMB Investment Bank Berhad KL 7.50% RM0
37 CCSA1TMB Telekom Malaysia Berhad Bangsar 7.50% RM0
38 CCSA1PRA Syarikat Prasarana Negara Bhd,J. Sultan Ismail, 7.50% RM0
39 CCSA1EON EON Berhad Shah Alam 7.50% RM0
40 CCSA1NPM Northport Malaysia Berhad Klang, Selangor 7.50% RM0
41 CCSA1MPK Majlis Perbandaran Klang Klang, Selangor 7.50% RM0
42 CCSA1ASSB Assembly Services Sdn Bhd Shah Alam 7.50% RM0
43 CCSA1MNB Mesiniaga Bhd Subang Jaya 7.50% RM0
44 CCSA1NES Nestle (MALAYSIA) Berhad PJ 7.50% RM0
45 CCSA1BMB Bursa Malaysia Berhad KL 7.50% RM0
46 CCSA1UMWT UMT Toyota Motor Sdn Bhd Shah Alam 7.50% RM0
47 CCSA1BNM Bank Negara Malaysia KL 7.50% RM0
48 CCSA1AAB AirAsia Berhad Sepang 7.50% RM0
49 CCSA1SEB SCOMI Engineering Berhad KL 7.50% RM0
50 CCSA1NPSB Nestle Products Sdn Bhd PJ 7.50% RM0
51 CCSA1Limo 7.5% New Heitage Limousine Services Sdn Bhd KL 7.50% RM0
52 CCSA1DENSO Denso (M) Sdn Bhd Bangi 7.50% RM0
53 CCSA1IKSB Inai Kiara Sdn Bhd Shah Alam 7.50% RM0
54 CCSA1UKM University Kebangsaan Malaysia Bangi 7.50% RM0
55 CCSA1HSBCEDP HSBC Electronics Data Processing (M) S/B.Cyberjaya,7.50
56 CCSA1RANHILL Ranhill Bhd KL 7.50% RM0
57 CCSA1STMICRO ST Microelectronics Johor 7.50% RM0
58 CCSA1BERNAS Padi Beras Nasional Berhad PJ 7.50% RM0
59 CCSA1COSB Canon Opto (M) Sdn Bhd Shah Alam 7.50% RM0
60 CCSA1BMMB Bank Muamalat Malaysia Bhd KL 7.50% RM0
61 CCSA1CITI CITIBANK Bhd KL 7.50% RM0
62 CCSA1JPB Johor Port Bhd. Pasir Gudang, Johor 7.50% RM0
63 CCSA1KFH Kuwait Finance House Berhad KL 7.50% RM0
64 CCSA1UOB United Oversea Bank (M) Berhad KL 7.50% RM0
65 CCSA1MEDIU Al Madinah International (M) S/B,Shah Alam, 7.50%
66 CCSA1HUKM Hospital Universiti Kebangsaan Malaysia Cheras 7.50% RM0
67 CCSA1MEDIA PRIMA MEDIA PRIMA Berhad PJ 7.50% RM0
68 CCSA1PUNB Perbadanan Usahawan Nasional Bhd,KL Sentral,7.50%
69 CCSA1GCH GCH Retail (Malaysia) Sdn Bhd,Shah Alam, 7.50% RM0
70 CCSA1DIG DIGI Telecommunications Shah Alam 7.50% RM0
71 CCSA1HP Hewlett Packard (M) Sdn Bhd Bukit Damansara 7.50% RM0

3主要银行 基贷率调至6.05%

3主要银行
基贷率调至6.05%

报导:叶爱云

国内银行将陆续公布最新的基贷率及定存利息,马银行将在周一宣布。

(吉隆坡14日讯)随着国行昨日调升隔夜官方利率(OPR)0.25%,国内商业银行今日纷纷宣布将于下周开始上调基本贷款利率(BLR;简称基贷 率)0.25%至6.05% 。

这包括兴业银行、联昌银行及马银行,均宣布基贷率调升至6.05%,各别在下周生效。

分析师 认为,从过去记录来看,商业银行调整基贷率的幅度,与国行调高隔夜官方利率的相符,基贷率升至6.05%水平。

据联昌研究报告,该行已上调 2010全年隔夜官方利率预测至2.75%。

兴业资本(RHBCAP,1066,主要板金融)旗下的兴业银行率先同业,今早已宣布兴业银行 及兴业回教银行(RHB Islamic Bank)将于5月17日开始上调基贷率从5.80%至6.05%。

联昌集团 (CIMB,1023,主要板金融)亦发布文告表示,将于下周二(5月18日)上调基贷率25个基点至6.05%。
下周生效

马银行总执行长拿督斯里阿都瓦希今天在股东特别大会后指出,将从本月17日起,调高旗下的基贷率和定期存款(FD)利率;惟未说明利率调涨的幅度,仅表示将 留待周一公布。

惟晚间,马银行(MAYBANK,1155,主要板金融)亦尾随其他同业发布文告宣怖,马银行和马银行回教银行将上调基贷率 25个基点至6.05%。

国家银行于3月4日升息至2.25%时,马银行和马银行回教银行随后亦把原有5.55%基贷率,调高25个基点至 5.80%。
回银控股(BIMB,5258,主要板金融)亦于午间宣布尾随央行升息步伐上调该行基贷率25个基点至6.05%。
7 月或再起0.25%

下半年升息几率高
国行将在7月8日召开今年第三度货币政策会议(MPC),大部分经济分析师认为,下半 年再调涨隔夜官方利率25个基点的可能性很大。

兴业证券研究经济学家白文春向《中国报》说,预计7月货币政策会议中,再调涨隔夜官方利率的 几率不高,并预计9月货币政策会议后再升息。

丰隆银行经济学家钟艳屏则认为,以目前全球经济走势而言,一切仍存变数,当中有不明朗因素,只 要欧洲债务问题获控制,国内经济稳定恢复,国行才会再升息。

对于7月会否再升息,她则不排除其可能性。

综合多方意见,意即到 了年底,隔夜官方利率或将达2.75%,全年上调幅度达75个基点。

贷款负担加重
理财师:早有心理准备

虽然各行基贷率铁定尾随央行隔夜官方利率而调涨,对借贷者而言,利率上调意味着需支付的贷款额增加了,影响是难免的;但理财师认为,大家对升息早已有了心理 准备。

VKA财富管理董事经理兼财务规划师林俊喜回应《中国报》提问时表示:“目前利率水平仍处低位,较金融风暴前来得低,能上调的空间幅 度还很多。”

目前国内生产总值数据好转,他预计,今年内利率有可能再上调50个基点,但未至于重返金融风暴前的高水平。
定 存利息涨幅0.24%

联昌研究预计国内银行定期存款利息亦会尾随调高,涨幅约23至24个基点。

据兴业银行文告指出,该行将上调定期存款利率,首5个月为2.5%(早前首11个月为2.25%)、6个月至11个月为2.70%、12个月为3% (早前12个月是2.60%)、13个月至35个月则是3.10%。

联昌集团则调整存款及定存利率25个基点。

国储银行
探讨是否尾随

国民储蓄银行(BSN)资深副总裁及消费银行部门主管阿克山再尼说:“国民储蓄银行目前正探讨是否尾随央行 步伐调整利率。”

他今日出席超值存款证书嘉年华会上说:“相信当国行宣布升息当而,市场及客户已预计银行将尾随其后,所以目前贷款业务并未 受影响。”

随着我国经济恢复情况比预期来得好,市场预测,国行利率正常化举措将陆续有来。

浮动利率放款更高
银行是唯一受惠者

马银行投银报告指出,此轮隔夜官方利率上调唯一受惠者为银行业者,因这意味着,银行拥有高比例的浮动利率放款 (floating rate loan)。

惟该行认为,此轮调息,银行净利息赚幅(NIM)并不会太显著,因业者间的竞争依然高企。

马银行投银认为7月的货币政策会议中,调息可能性还是存在,预计上调幅度约25个基点;且认为接下来一切调息举动皆受外围经济因素影响。

随着经济成长数据报捷,隔夜官方利率一如预期再上调25个基点,券商预计,接下来升息潮会暂缓,认为央行将先考虑当前经济状况才会决定下半年是否再上调利率。

5 月13日是国行今年内第二次升息;肯纳格研究不排除下半年央行会三度升息,认为再上调25个基点几率有50%。
该行亦指出,随着国内经济走 强,2011年央行将维持紧缩政策。

联昌研究报告说,看好国内银行今年表现,随着贷款收入改善、更稳定的未履约贷款率(NPL),预计各行 全年净利将成长24.4%;并看好银行领域前景及给予“跑赢大市”评级。

Wednesday, May 5, 2010

Al Rajhi Bank's Branches in KL and Outside of KL

KLMain
Ground Floor, Mezzanine & Basement 1,
East Block, Wisma Selangor Dredging,
No 142-C, Jalan Ampang,
50450 Kuala Lumpur


Petaling Jaya
No.2, Jalan 52/10,
PJ New Town Centre,
46200 Petaling Jaya, Selangor


Ampang
Ground Floor, No.AG1 & AG2,
Jalan Selaman 1/1,
Dataran Palma,
68000 Ampang, Selangor


Bangsar
No. 2, Jalan Telawi,
Bangsar Baru,
59100 Kuala Lumpur


Cheras
Ground Floor, No. 49,
Jalan Menara Gading 1,
Taman Connaught,
Cheras, 56000 Kuala Lumpur


Kajang
Lot G -01, Grd Floor,
Wisma Metro Kajang,
Jalan Semenyih,
43000 Kajang, Selangor


Kelana Jaya
A-G-12 & A-1-12, Dataran Glomac,
Pusat Bandar Kelana Jaya,
Jalan SS 6/5A,
47301 Selangor


Klang
Ground Floor,
Wisma Kien Tat, No. 1&3,
Jalan Miri Off Jalan Raja Bot,
41000 Klang, Selangor

Kota Damansara
No. 28 Ground Floor,
Jalan PJU 5/17, Dataran Sunway,
Kota Damansara,
47810 Petaling Jaya, Selangor
03-2301 7289




Puchong
No. 12A Ground Floor,
Jalan Puteri 1/1 Bandar Puteri,
47100 Puchong,
Selangor
03-2301 7252




Shah Alam
Ground Floor, No. 2,
Jalan Tengku Ampuan Zabedah 9/A,
40100 Shah Alam,
Selangor
03-5522 9788



Sri Hartamas
Ground Floor,
No. 41-G, Jalan 23/70A,
Desa Sri Hartamas,
50480 Kuala Lumpur
03-6204 3350


Subang Jaya
No. 147, Jalan SS17/1A,
47500 Subang Jaya,
Selangor
03-2301 7246



Taman Tun Dr Ismail
Ground Floor,
No 2, Jln Wan Kadir 1,
Taman Tun Dr Ismail,
60000 Kuala Lumpur
03-2301 7378

Branches Outside Klang Valley

Johor Bahru
33, Jalan Molek 2/4,
Taman Molek,
81100 Johor Bahru,
Johor Darul Takzim
07-356 3600



Kuching
Ground & Mezz Floor,
Wisma Bukit Mata Kuching,
Jalan Tunku Abdul Rahman,
93100 Kuching, Sarawak
082-278 021



Melaka
336, Jalan Melaka Raya 1,
Taman Melaka Raya,
75000 Melaka
06-285 1630



Penang
18-G-A, Menara Gurney,
Jalan Kelawai,
10350 Penang
04-219 2555



Kota Bharu
Wisma Aminah Zain,
Lot 320, Seksyen 21,
Jalan Sultan Yahya Petra,
15150 Kota Bharu, Kelantan
09-7450 200