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Skyrye7 : The earnings prospects for Malayan Banking Berhad (Maybank) and Public Bank Berhad (PBB) in 2025 are influenced by several key factors:
1. Economic Growth and Loan Demand:
Stable Economic Growth: Analysts project Malaysia's GDP to grow by 4.9% in 2025, which is expected to support a 5.5% increase in domestic loan growth, primarily driven by business loans.
2. Net Interest Margins (NIMs):
Stable NIMs: With expectations of no changes to the Overnight Policy Rate (OPR) and more rational deposit competition, NIMs for banks like Maybank and PBB are anticipated to remain stable in 2025.
3. Non-Interest Income (NOII):
Tapering NOII Growth: A projected decrease in foreign exchange and bond market volatility, coupled with gradual U.S. Federal Reserve rate cuts, may lead to moderated growth in NOII for these banks.
4. Earnings and Return on Equity (ROE) Forecasts:
Maybank: Analysts forecast Maybank's net profit to grow by 4.3% annually, with earnings reaching approximately RM10.48 billion in 2025.
Public Bank Berhad: Projections indicate a revenue increase of 8.0% to RM14.6 billion in 2025, with per-share earnings expected to rise by 5.5% to RM0.38.
5. Dividend Policies:
Potential for Increased Dividends: Public Bank Berhad, in particular, has been noted to have ample room to raise dividends, providing potential additional value to shareholders.
Overall, the banking sector in Malaysia is expected to experience stable conditions in 2025, with Maybank and Public Bank Berhad poised to benefit from steady economic growth, stable margins, and manageable credit costs.
Moses3191 : Based on the provided data, both Maybank (1155.MY) and Public Bank (PBBANK, 1295.MY) are set to release their earnings soon, with investor focus heightened after recent market pullbacks.
let’s see the result
Key Earnings & Market Performance Factors:
1. Earnings Growth & Estimates:
• Maybank: Estimated EPS of 0.83B with +6.62% YoY growth.
• Public Bank: Estimated EPS of 0.36B with +5.42% YoY growth.
Winner: Maybank, due to higher expected earnings and stronger YoY growth.
2. Current Market Price vs. Target Price:
• Maybank (10.54 RM, as of 2/24)
• Target price range: 8.85 - 12.80 RM
• Current price is mid-range, leaving room for upside if earnings are strong.
• Public Bank (4.49 RM, as of 2/24)
• Target price range: 4.40 - 5.57 RM
• Current price is closer to the lower end, suggesting more potential for gains if earnings surprise to the upside.
Public Bank win , as it has more room for upward movement relative to its target range.
3. Recent Stock Performance:
• Maybank: Trading at 10.54 RM, showing a slight upward trend.
• Public Bank: Trading at 4.49 RM, experiencing some volatility.
Both stocks have been stabilizing after pullbacks, but Maybank appears to have more momentum.
4. Valuation (P/E Ratio & EPS TTM):
• Maybank:
• P/E 12.77
• EPS (TTM) 0.83
• Public Bank:
• P/E 12.51
• EPS (TTM) 0.36
Both banks have similar valuations, but Maybank has a higher EPS, indicating stronger profitability.
Final Verdict:
• If looking at growth & profitability → Maybank is the winner.
• If looking for potential price upside from lower valuation → Public Bank might outperform.
Ultimately, Maybank appears better positioned based on earnings expectations and recent performance, but Public Bank could have a stronger rebound if earnings exceed estimates.
存股当KWSP : Maybank and Public Bank are both major Banks in Malaysia, playing an important role in the financial sector of the country. Here is a comparison of these two Banks:
1. Scale and market share of the Banks:
* Maybank:
* It is one of the largest Bank groups in Malaysia and one of the leading Bank groups in Southeast Asia.
* It has a wide branch network and Business coverage in Malaysia and Southeast Asia.
* Its range of Business is extensive, including retail banking, corporate banking, investment banking, and Insurance, among others.
* Public Bank:
* It is one of the largest local Banks in Malaysia, known for its strong financial performance and excellent retail banking services.
* Has an extensive branch network in Malaysia, primarily focusing on retail Banking and small to medium-sized enterprise loans.
* Has strong capabilities in personal banking in Malaysia.
2. Financial performance:
* Both banks have solid financial conditions, but there may be differences in profitability and growth rates.
* Investors typically pay attention to the financial reports of both banks to understand their profitability, asset quality, and capital adequacy ratio.
3. Business focus:
* Maybank:
* The business scope is broad, including retail Banking, corporate Banking, investment Banking, and Insurance.
* Has strong capabilities in corporate banking and investment banking business.
* Actively expanding overseas.
* Public Bank:
* Mainly focuses on retail banking and SME loans.
* Has strong capabilities in personal banking business.
* Places particular emphasis on local development in Malaysia.
4. Services and Products:
* Both banks offer a comprehensive range of banking services and products, including savings accounts, loans, credit cards, investments, and insurance.
* In terms of digital services, both Banks are continuously investing to enhance customer experience.
* Both Banks offer a variety of credit card services that can be selected based on individual needs.
Summary:
* Maybank is a large and diversified Business group with a wide Business coverage in Malaysia and Southeast Asia.
* Public Bank is a solid local Bank with strong capabilities in retail Banking Business.
TuanNaim : it's hard to guess but both have potential to go up high
103687627 : Maybank
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