AEONCR 5139 INFORMATION OVERVIEW 1
Information Overview 1:
对该集团继续看好的三大利好因素
一：资产素质好。
该集团的烂帐率不断改善并收紧信贷政策和改良产品的组合。
二：数码化转型。
该集团成立新部门；数码行销部和研发部。
该集团计划在2019年实现网上申请信用卡，查询公积金户口等等。
该集团推出电子货币卡来加强顾客的忠诚度。
三：海外业务的贡献。
该集团在印度，印尼和菲律宾积极发展汽车，个人贷款，信用卡和摩哆贷款业务。
对该集团不利的因素
一：9682万令吉的税款。
该集团在2017年被陆税局讨9682万令吉税款至到今日还没作出任何拨备。
二：红股债券冲淡每股盈利。
在2017年7月19日发放红股导致每股盈利冲淡15-18%。
三：股息与其它同行比较逊色。
在2014年净利1亿多就拿出38%来派股息，而2018年净利3亿多只拿出34.10%来派股息。
四：前景面临挑战。
经济成长放慢脚步。
交通部鼓励大从使用公共交通并推出100令吉无限使用公共交通月卡导致汽车和摩哆销售量减少。
Disclaimer:
The information contained in this research is based on data obtained from sources believed to be reliable. However, the data and/or sources have not been independently verified and as such, no representation, express or implied, is made as to the accuracy, adequacy, completeness or reliability of the info or opinions in the research.
Accordingly, neither 以牛攻熊 nor any of its related companies and associates nor person connected to it accept any liability whatsoever for any direct, indirect or consequential losses (including loss of profits) or damages that may arise from the use or reliance on the info or opinions in this publication. Any information, opinions or recommendations contained herein are subject to change at any time without prior notice. 以牛攻熊 has no obligation to update its opinion or the information in this research.
Investors are advised to make their own independent evaluation of the info contained in this research and seek independent financial, legal or other advice regarding the appropriateness of investing in any securities or the investment strategies discussed or recommended in this research. Nothing in this research constitutes investment, legal, accounting or tax advice or a representation that any investment or strategy is suitable or appropriate to your individual circumstances or otherwise represent a personal recommendation to you.
This research is being supplied to you on a strictly confidential basis solely for your information and is made strictly on the basis that it will remain confidential. All materials presented in this research, unless specifically indicated otherwise, is under copyright to 以牛攻熊. This research and its contents may not be reproduced, stored in a retrieval system, redistributed, transmitted or passed on, directly or indirectly, to any person or published in whole or in part, or altered in any way, for any purpose.
This research may provide the addresses of, or contain hyperlinks to, websites. 以牛攻熊 takes no responsibility for the content contained therein. Such addresses or hyperlinks (including addresses or hyperlinks to 以牛攻熊 own site material) are provided solely for your convenience. The information and the content of the linked site do not in any way form part of this research. Accessing such website or following such link through the research or 以牛攻熊 site shall be at your own risk.
对该集团继续看好的三大利好因素
一：资产素质好。
该集团的烂帐率不断改善并收紧信贷政策和改良产品的组合。
二：数码化转型。
该集团成立新部门；数码行销部和研发部。
该集团计划在2019年实现网上申请信用卡，查询公积金户口等等。
该集团推出电子货币卡来加强顾客的忠诚度。
三：海外业务的贡献。
该集团在印度，印尼和菲律宾积极发展汽车，个人贷款，信用卡和摩哆贷款业务。
对该集团不利的因素
一：9682万令吉的税款。
该集团在2017年被陆税局讨9682万令吉税款至到今日还没作出任何拨备。
二：红股债券冲淡每股盈利。
在2017年7月19日发放红股导致每股盈利冲淡15-18%。
三：股息与其它同行比较逊色。
在2014年净利1亿多就拿出38%来派股息，而2018年净利3亿多只拿出34.10%来派股息。
四：前景面临挑战。
经济成长放慢脚步。
交通部鼓励大从使用公共交通并推出100令吉无限使用公共交通月卡导致汽车和摩哆销售量减少。
Disclaimer:
The information contained in this research is based on data obtained from sources believed to be reliable. However, the data and/or sources have not been independently verified and as such, no representation, express or implied, is made as to the accuracy, adequacy, completeness or reliability of the info or opinions in the research.
Accordingly, neither 以牛攻熊 nor any of its related companies and associates nor person connected to it accept any liability whatsoever for any direct, indirect or consequential losses (including loss of profits) or damages that may arise from the use or reliance on the info or opinions in this publication. Any information, opinions or recommendations contained herein are subject to change at any time without prior notice. 以牛攻熊 has no obligation to update its opinion or the information in this research.
Investors are advised to make their own independent evaluation of the info contained in this research and seek independent financial, legal or other advice regarding the appropriateness of investing in any securities or the investment strategies discussed or recommended in this research. Nothing in this research constitutes investment, legal, accounting or tax advice or a representation that any investment or strategy is suitable or appropriate to your individual circumstances or otherwise represent a personal recommendation to you.
This research is being supplied to you on a strictly confidential basis solely for your information and is made strictly on the basis that it will remain confidential. All materials presented in this research, unless specifically indicated otherwise, is under copyright to 以牛攻熊. This research and its contents may not be reproduced, stored in a retrieval system, redistributed, transmitted or passed on, directly or indirectly, to any person or published in whole or in part, or altered in any way, for any purpose.
This research may provide the addresses of, or contain hyperlinks to, websites. 以牛攻熊 takes no responsibility for the content contained therein. Such addresses or hyperlinks (including addresses or hyperlinks to 以牛攻熊 own site material) are provided solely for your convenience. The information and the content of the linked site do not in any way form part of this research. Accessing such website or following such link through the research or 以牛攻熊 site shall be at your own risk.
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