Recently, the financial markets have been turbulent, and the Malaysian stock market has not been immune, falling into a downward trend.
As of March 12, 2025, the FTSE Bursa Malaysia KLCI fell 2.32% to 1,484.83 points, reaching its lowest level since the end of January last year. However, in my view, this is likely just a temporary storm, with a clear logical thread behind it.
I. Let's first discuss the chain reaction caused b...

For stock traders, being stuck is quite normal❗️Most of the time, we are either trying to get unstuck or on our way to getting unstuck…..
In fact, whenever I initially get involved with a stock, for quite a long time after I start to Buy, my account shows a loss❗️Because I am more accustomed to left-side trading, the initial loss is completely expected. In this regard, I not only accept it fully, but I also feel a bit pleased🫢, because I can buy more at a lower price, saving on costs❗️Of course, there is a big premise that I have done thorough research, analysis, and determination on the selected stock beforehand... feeling quite assured deep down❗️
I have always preferred to use a roundabout tactic; usually after several rounds of battles, I can turn the tables❗️
I really enjoy this process, watching myself gradually lower the cost price day by day... until it finally becomes negative❗️ What a wonderful and proud thing that is❗️❗️
As a professional stock trader, the greatest sense of achievement comes from defeating the market, defeating the manipulators, and simultaneously overcoming one's inner demons, all of which are what I often refer to as "enemies". 😂😂
There are two phrases I often say to myself:
1. By overcoming oneself (the inner demons), one can defeat opponents and even conquer everything ❗️(various difficulties and challenges).
In the midst of strategizing, victory is achieved miles away!
Every time I think about...

RAM expects that the banking industry will achieve moderate profit growth in 2025, with loan growth expected to remain at 5.5%, and asset quality also remains robust.
Wang Yunqing, Co-Director of RAM's Financial Institutions Rating Department, expects that Banks' profits will grow moderately this year, mainly supported by stable loan expansion and ongoing low provisioning expenses.
Looking back at 2024, the profitability of our country's Banks was strong, mainly benefiting from higher non-interest income, lower provisioning expenses, and robust loan growth.
Among the 8 local Banks tracked by the Institutions, the average pre-tax return on Assets (ROA) and return on Equity (ROE) rose to 1.40% and 14.0% respectively last year.
The net interest margin has narrowed.
Last year's performance of the Banks' net interest margin (NIM) varied, but overall, it narrowed by an average of 2 basis points to 2.06%.
"To maintain NIM, Banks actively manage funding costs such as reducing high-interest deposits. We expect this year the Banking sector's NIM will remain basically stable, consistent with our expectation that the overnight policy rate (OPR) will remain unchanged."
Regarding loans, Wang Yunqing pointed out that domestic lending is expected to grow by 5.5% in 2024, compared to 5.3% in 2023, with household loans, mainly car loans and mortgages, leading the growth at 6.0%, ahead of corporate loans at 4.8%.
"We expect that loan growth will remain around 5.5% in 2025."
This year's economic growth is estimated at 4 to 5%.
This is RAM's assessment based on 2...