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SUV MX11

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The interest margin is seasonally narrowing.
The Banks' profits in the last quarter are expected to be Put.
Although the loan demand remains strong in the fourth quarter of 2024, the loans' returns from the Banks are expected to remain stable or decline slightly.
The investment bank pointed out that this is mainly constrained by the trend of loan profit margins usually narrowing towards the end of the year, which may affect overall profitability.
The report pointed out that net interest income (NII) in the Banks may remain stable or experience a slight decline on a quarter-on-quarter basis. Although loan growth is robust, net interest margins (NIM) are under seasonal pressure.
However, compared to the same period in 2023, competition for deposits has eased this quarter, reducing the pressure of narrowing interest spreads.
Therefore, the decline in net interest margins in 4Q24 may be lower than the decline of 4 basis points recorded in the fourth quarter of 2023.
Regarding non-interest income, Industrial Bank's investment banking research indicates that loan and credit card-related fees remain stable, and the wealth management Business continues to show good progress.
However, due to a high base in the third quarter of 2024, fiscal revenue in the fourth quarter may decline quarter-on-quarter.
Expenditure on Technology projects has increased.
In addition, the 10-year Malaysian Government Securities (MGS) yield remained stable in this quarter, except for some fluctuations during the USA elections.
Therefore, overall, due to the above factors, the operating income for the last quarter of last year is expected to decline month-on-month, but there will still be some year-on-year growth.
The report also mentioned that Banks' operating expenses in Q4 2024 will be affected by seasonal factors. In addition, Banks may invest in Technology and special projects...

I saw someone who might lose a significant amount of money in just a few days—an amount that's equal to what I lost over the course of three years.
I learnt:
1. To trade what I can lose about 10% of my capital in one trade if it has 65% winning chance.
2. To always hedge against my position with put options because anything can happen in the stock market.
3. To always look for discounted prices.
4. To Only buy half first.
I am still los...