BSN pikat 32,000 pelanggan

BANK Simpanan Nasional (BSN) akan mengukuhkan barisan produknya menerusi pelbagai kempen termasuk kempen Happy Gold Rush yang disasarkan dapat menarik sekurang-kurangnya 32,000 pelanggan baru sepanjang kempen itu dijalankan.

Source From (Harian Metro): http://www.hmetro.com.my/myMetro/articles/BSNrekodtransaksiPTCRM2_9j/Article/index_html

Naib Presiden Kanannya, Akhsan Zaini berkata, kempen itu sudah pun bermula 10 Januari lalu dan tamat pada 30 April ini dengan tawaran hadiah menarik bernilai lebih RM1 juta.


“Pelbagai produk ditawarkan termasuk pinjaman peribadi, pinjaman perumahan, kereta, insurans, takaful dan kad kredit.

“Bagi tempoh sebulan, kami menyasarkan 8,000 pelanggan baru dan sepanjang tempoh empat bulan kempen ini kami yakin dapat mencapai sasaran yang ditetapkan.


“Malah, bagi keseluruhan produk pembiayaan rumah dan peribadi kami komited untuk menyalurkan RM2 bilion bagi kempen ini saja,” katanya pada sidang media di majlis penyampaian hadiah sempena kempen BSN pada 2011 di Kuala Lumpur, semalam.


Menurutnya, bagi pembiayaan peribadi pihaknya komited untuk menyalurkan RM1.5 bilion manakala pembiayaan rumah pula sebanyak RM500 juta untuk tempoh empat bulan kempen berjalan.

“Paling menarik kempen kali ini menawarkan hadiah berupa jongkong emas 999 seberat satu kilogram, 50 gram dan 20 gram serta 100 baucar bernilai RM300 setiap satu,” katanya pada sidang media di majlis penyampaian hadiah sempena kempen BSN pada 2011 di Kuala Lumpur, semalam.

BSN rekod transaksi PTC RM2.9j

Source From (Harian Metro): http://www.hmetro.com.my/myMetro/articles/BSNrekodtransaksiPTCRM2_9j/Article/index_html

BANK Simpanan Nasional (BSN) melaksanakan 35,917 jumlah transaksi bernilai RM2,974,927 sejak promosi Perkhidmatan Perbankan Tanpa Cawangan (PTC) dilakukan secara agresif sejak mula beroperasi akhir bulan lalu.

Naib Presiden Kanan/Ketua Perniagaan Komuniti BSN, Azaddin Ngah Tasir berkata, sehingga 21 Februari lalu, transaksi tertinggi membabitkan pembayaran bil iaitu sebanyak 84 peratus atau 77 peratus daripada nilai keseluruhan.


Beliau berkata, transaksi lain termasuk deposit tunai, pengeluaran, sijil simpanan premium dan pembelian tanpa tunai, malah sambutan orang ramai sangat menggalakkan sejak kempen dua hari dijalankan di seluruh negara itu.

BSN's Banking Beyond Branches A Hit

KUALA LUMPUR, Feb 23 (Bernama) -- Bank Simpanan Nasional (BSN) has recorded 35,917 transactions valued at RM2,974,927 since the start of its aggressive drive to promote Banking Beyond Branches (3B).

BSN's 3B began in late January.
Source From (Bernama): http://www.bernama.com/bernama/v6/newsindex.php?id=647445


BSN Senior Vice President/Community Business Head Azaddin Ngah Tasir said that as at Feb 21, bill payments constituted 84 percent of all transactions and 77 percent in terms of total value.

Other transactions included cash deposits, withdrawals, premium saving certificate and cashless payments, he told Bernama.

The bank said public response was encouraging since the two-day aggressive nationwide campaign from Feb 18.

-- BERNAMA

BSN rewards customers

Source From (The Malay Mail): http://www.mmail.com.my/story/bsn-rewards-customers

Tuesday, February 21, 2012 - 12:25
by Che' Az

KUALA LUMPUR 22/02/2012 (The Malay Mail): All BSN GIRO-i saving account holders were rewarded with 2% profit payment on Feb 16, based on the average account balance last year.

"This is the main characteristic of the account, sharing with our customers excess profits earned by the bank," said Bank Simpanan Nasional Bhd (BSN) vice-president and Islamic Banking head Ahmad Noh Jeni (pic).

"We made our first Hibah payment in 2009 at 2% profit-sharing back then and this year is the second time we giving it again, also at the same rate. Looking at the escalating numbers of new customers, we are happy to notice our Islamic products appeal to all, including the non-Muslims."

"Also, over 90% of of BSN Ahsan investment account customers are non-Malay senior citizens. The account is reserved for senior citizens aged 50 and older, offering higher returns than a regular investment account.

To further expand its Islamic banking services, BSN has opened a total of 71 Islamic banking branches across the country.

BSN also aims to sustain a 10% growth in new account holders for its Islamic banking products this year.

BSN jadi perintis

Source From (Utusan Malaysia): http://www.utusan.com.my/utusan/info.asp?y=2012&dt=0220&pub=Utusan_Malaysia&sec=Korporat&pg=ko_04.htm

Azaddin Ngah Tasir menunjukkan kaedah perkhidmatan Perbankan Tanpa Cawangan di Kuala Lumpur, baru-baru ini.

Oleh AZHARI ZAINOODDIN
bisnes@utusan.com.my

KUALA LUMPUR 19 Feb. - Orang ramai terutamanya penduduk kawasan luar bandar kini boleh mendapatkan akses perbankan tanpa perlu mengunjungi cawangan bank melalui perkhidmatan Perbankan Tanpa Cawangan, Bank Simpanan Nasional (BSN) yang telah dilancarkan hujung Januari lalu.

Dengan hanya mengunjungi ejen-ejen dilantik BSN, orang ramai boleh mendapatkan perkhidmatan simpanan deposit; pengeluaran tunai; pembayaran bil utiliti; pembelian Sijil Simpanan Premium (SSP) dan pembayaran tanpa tunai (kad debit) yang turut disediakan di cawangan BSN.

Naib Presiden Kanan / Ketua Jabatan Perniagaan Komuniti BSN, Azaddin Ngah Tasir berkata, langkah itu adalah sejajar dengan matlamat BSN untuk memberikan perkhidmatan perbankan kepada masyarakat.

Katanya, perkhidmatan itu memberikan kelebihan kepada BSN untuk mendekati pelanggan mereka khususnya penduduk luar bandar tanpa perlu membuka cawangan baharu yang melibatkan kos yang tinggi.

"Biarpun tanpa cawangan, orang ramai masih boleh mendapatkan perkhidmatan BSN dan ternyata lebih memudahkan kerana tidak perlu berjalan jauh.

''Setiap ejen yang dilantik adalah terdiri daripada mereka yang dekat dengan masyarakat setempat seperti pengusaha kedai runcit di kawasan kampung yang telah lama beroperasi," katanya kepada Utusan Malaysia di sini.

Beliau menambah, setakat ini seramai 668 ejen telah dilantik dan dibekalkan dengan logo serta poster BSN untuk memudahkan orang ramai mengenali mereka.

Azaddin menegaskan, orang ramai tidak perlu risau dan bimbang tentang kredibiliti ejen-ejen yang dilantik kerana BSN telah memberikan kursus, taklimat dan tunjuk ajar kepada mereka sebelum menjalankan operasi.

"Melalui perkhidmatan ini, apa yang kami pentingkan adalah kepercayaan kerana sekiranya ejen berkenaan membuat onar, nama baik BSN juga akan turut tercemar.

"Selain itu, pemantauan juga akan dilakukan oleh kakitangan BSN di cawangan bagi memastikan perjalanan operasi Perbankan Tanpa Cawangan berjalan dengan lancar," ujarnya.

Katanya lagi, biarpun belum sampai sebulan diperkenalkan, sambutan yang diterima sangat menggalakkan dengan kira-kira 18,000 transaksi telah dijalankan dan BSN kini dalam proses mempromosikan perkhidmatan itu agar sampai ke pengetahuan masyrakat yang lebih besar.

Maklumat lanjut mengenainya boleh diperoleh dengan menghubungi talian 03- 21425258 atau melayari laman sesawang www.mybsn.com.my.

SME Bank unjur biaya pinjaman PKS naik 8%

Source From (Harian Metro): http://www.hmetro.com.my/myMetro/articles/SMEBankunjurbiayapinjamanPKSnaik8_/Article/index_html

17/02/2012 (Harian Metro): BANK Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) mengunjur peningkatan sebanyak lapan peratus bagi pembiayaan pinjamannya kepada syarikat industri kecil dan sederhana tempatan pada tahun ini.

Pengarah Urusannya, Datuk Mohd Radzif Mohd Yunus, berkata berbanding RM1.7 bilion yang dikeluarkan pada 2011, jangkaan itu dilihat mampu dicapai menerusi produktiviti syarikat perusahaan kecil dan sederhana (PKS) sepanjang 2012 termasuk sumbangan projek di bawah program transformasi ekonomi (ETP) yang dilaksanakan kerajaan.

“Bagi 2011, secara keseluruhannya pinjaman yang diagihkan kepada PKS tempatan bernilai RM1.7 bilion yang memberi manfaat kepada kira-kira 2,000 syarikat. Jumlah ini juga telah meningkat daripada hanya RM800 juta pada tahun sebelumnya.

“Justeru, sasaran ini pasti dapat direalisasikan terutama dengan aktiviti PKS tempatan yang lebih giat sekali gus menembusi pasaran luar secara lebih agresif,” katanya pada sidang media selepas menandatangani Memorandum Persefahaman (MoU) antara SME Bank dengan Unit Individu dan Perniagaan Mikro Koperasi Kewangan Jepun (JFC-Micro) di Menara SME Bank, Kuala Lumpur, semalam.

Hadir sama, Pegawai Eksekutif Pengurusan JFC-Micro, Tadaaki Udo dan Timbalan Ketua Pejabat Kerjasama Antarabangsa JFC-Micro, Kazutaka Sagara.

Mengulas lanjut, Mohd Radzif berkata, MoU terbabit adalah kesinambungan kerjasama dua institusi berkenaan sebelum ini yang diperkukuhkan menerusi jalinan peringkat kedua.

“Bagi Jepun saja, hasil dana yang dikendalikan SME Bank sehingga 31 Januari lalu adalah sebanyak RM2 bilion apabila ia sudah memanfaatkan kira-kira 1,700 SME di negara ini,” katanya.

Sejak 2005, jumlah pembiayaan yang disalurkan SME Bank bernilai RM13.6 bilion.

Pembiayaan dijangka naik (SME Bank)

Source From (Utusan Malaysia): http://www.utusan.com.my/utusan/info.asp?y=2012&dt=0217&pub=Utusan_Malaysia&sec=Ekonomi&pg=ek_05.htm

Oleh FAIRUS KASSIM
bisnes.utusan@gmail.com

KUALA LUMPUR 16 Feb. - Bank Perusahaan Kecil & Sederhana Malaysia Bhd. (SME Bank) menjangka pengeluaran pembiayaannya tahun ini meningkat sebanyak lapan peratus berbanding sebanyak RM1.7 bilion yang direkodkan tahun lalu.

Pengarah Urusannya, Datuk Mohd. Radzif Mohd. Yunus berkata, jangkaan itu disokong oleh pelbagai inisiatif kerajaan meliputi Program Transformasi Ekonomi (ETP) dan Bidang Ekonomi Utama Negara (NKEA).

“Perusahaan kecil dan sederhana (PKS) merupakan komponen penting dalam memacu ekonomi negara dan penglibatannya dalam beberapa projek kerajaan yang dijangka meningkat tahun ini.

“Sejak tahun 2005 hingga 2011, sebanyak RM13.6 bilion telah diluluskan oleh SME Bank bagi membantu 7,546 usahawan tempatan,” katanya selepas majlis memeterai memorandum persefahaman (MoU) dengan Japan Finance Corp. Micro Business 7 Individual Unit (JFC-MICRO) di sini hari ini.

Turut hadir Pegawai Pengurus Eksekutif JFC-MICRO, Tadaaki Udo, Timbalan Ketua Hubungan Antarabangsa JFC-MICRO, Kazuta Sagara dan Pengarah Pengurusan Strategik SME Bank, Mohd. Rizal Mohd. Jaafar.

Mengulas mengenai kerjasama dengan JFC-MICRO, Mohd Radzif berkata, hubungan yang dijalin meliputi kerjasama teknikal dalam peningkatan analisis kredit dan merangka hubungan dua hala antara PKS kedua-dua negara.

“Setakat ini SME Bank telah memperoleh dana lebih RM2 bilion daripada pihak Jepun dengan JFC-MICRO telah menyumbang sebanyak RM800 juta.

“Kerjasama dengan pihak Jepun telah memberi manfaat kepada 1,200 usahawan meliputi sektor pembuatan, pengangkutan, penyimpanan, komunikasi dan pendidikan,” jelasnya.

Pihak SME Bank juga sedang merangka pelan membawa usahawan tempatan ke Jepun dan juga mencari peluang kerjasama strategik untuk usahawan Jepun ke Malaysia.

SME Bank sees 8pc growth in loan approvals this year

Source From (Business Times): http://www.btimes.com.my/Current_News/BTIMES/articles/japnsme/Article/



KUALA LUMPUR 17/02/2012 (Business Times): SME Bank expects the value of its loan approvals to grow by eight per cent this year from RM1.7 billion approved in 2011.

Managing director Datuk Mohd Radzif Mohd Yunus said the bank sees a lot of opportunities for the small and medium enterprises (SMEs) in 2012 based on the number of projects in the 12 National Key Economic areas under the Economic Transformation Programme (ETP).

"We are confident of Malaysia's economic growth in 2012 and from that perspective, SMEs can play a major role in these developments," he said.

He added that since the launch of ETP, many SMEs have actively been applying for loans, not just with SME Bank but other financial institutions.

From 2005 to December 31 2011, SME Bank approved 7,546 loan applications with a total amount of RM13.6 billion. Last year, it gave out RM1.7 billion worth of loans while in 2010, it was RM800 million.

Mohd Radzif was speaking to reporters here yesterday after signing a memorandum of understanding with Japan Finance Corporation Micro Business & Individual Unit, a Japanese government agency.

The MOU aims to provide opportunities for both parties to share information and expertise in the development and nurturing of entrepreneurs. It offers SMEs from both countries a chance to expand their network and see potential business opportunities in the two countries.

"Japanese SMEs have shown interest to expand their businesses in East Asia as the Japanese yen appreciates and after the recent tsunami," said JFC-Micro managing executive director Tadaaki Udo.

Mohd Radzif said that hopefully, in a year's time, Malaysian SMEs can penetrate the Japanese market as well. By Roziana Hamsawi

Good response to Sara 1Malaysia (BSN)

Source From (The Sun Daily): http://www.thesundaily.my/news/280948

Interested applicants enquiring about Sara 1Malaysia at Menara Maybank in Jalan Tun Perak, Kuala Lumpur, on Monday.

PETALING JAYA Jan 31, 2012 (The Sun Daily): Skim Amanah Rakyat 1Malaysia (Sara 1Malaysia) received good response, especially in non-urban areas, when the scheme opened for application at the branches of participating banks yesterday.

Maybank head of consumer finance Hamirullah Boorhan said the bank has received an encouraging number of enquiries as well as submission of applications throughout the country for the investment scheme.

"We are seeing good interest from across the country, including in non-urban centres, and this reflects the increasing awareness and interest from the public toward investments and unit trusts in particular," he said.

He said Maybank has designated counters to serve applicants for Sara 1Malaysia with staff assisting applicants so that they can benefit from the attractive product.

"This is a good investment opportunity and we would like to encourage eligible investors to take this opportunity to participate in this scheme," he added.

It is learnt that applications are more likely to come from bank branches located on the outskirts of towns and cities and in rural areas, as the scheme is targeted at the lower-income group.

"Some applicants walk in to our branches while our customer service department has also received queries on the scheme," said a Bank Simpanan Nasional (BSN) officer.

Under the scheme, eligible Malaysians can apply for a RM5,000 loan from Maybank, CMB Bank, RHB Bank or BSN to invest in Amanah Saham 1Malaysia (AS 1Malaysia) which is managed by Amanah Saham Nasional Bhd, a wholly-owned subsidiary of Permodalan Nasional Bhd (PNB). The loan is for the purchase of 5,000 AS 1Malaysia units.

The government would provide RM100 million in the form of subsidy to the participating banks to pay the interest. The scheme offers an attractive 32.16% return on investment per annum.

"A funding of RM500 million is offered to 100,000 households which will be allocated on a first-come-first-served basis," said PNB president and group chief executive Tan Sri Hamad Kama Piah Che Othman.

Applicants must be Malaysian citizens aged 18 to 58, with gross household income of RM500 to RM3,000 a month. The scheme is open for one year or upon full subscription of the total allocation.

BSN sasar pertumbuhan RM1b

Source From (Berita Harian): http://www.bharian.com.my/bharian/articles/BSNsasarpertumbuhanRM1b/Article

2012/01/30 (Berita Harian): BANK Simpanan Nasional (BSN) menyasarkan pertumbuhan simpanan bersih sebanyak RM1 bilion bagi Sijil Simpanan Premium (SSP) dan SSP Edisi Khas, tahun ini.

Ketika ini jumlah simpanan SSP dan SSP Edisi Khas adalah RM1.6 bilion membabitkan 1.6 juta pelabur.
Naib Presiden Kanan dan Ketua Jabatan Kewangan BSN, Frederick Siew Kin Meng, berkata pihaknya akan melaksanakan pelbagai promosi untuk menarik masyarakat terutama bukan Bumiputera menyertai kedua-dua produk itu.
“Kami dapati pelabur bukan Bumiputera kurang melabur dalam SSP kerana berpendapat ia hanya untuk Bumiputera.

“Justeru, bagi menarik lebih ramai pelabur terutama bukan Bumiputera, BSN akan menganjurkan promosi sehingga Mac depan untuk memberi peluang kepada yang berminat mengetahui lebih lanjut kelebihan menyimpan dalam SSP, termasuk SSP Edisi Khas,” katanya selepas perasmian Majlis Cabutan SSP BSN 2012 oleh Ketua Eksekutif BSN, Datuk Adinan Maning di Queensbay, Georgetown, semalam.

Mengulas kelebihan SSP Edisi Khas, Frederick Siew berkata, produk itu berlainan daripada SSP kerana menawarkan kadar dividen yang pasti memikat pelabur.

SSP Edisi Khas yang dilancarkan Oktober tahun lalu menawarkan kadar dividen masing-masing dua dan 2.3 peratus setahun bagi simpanan minimum RM1,000 dengan tempoh matang enam bulan dan simpanan minimum RM3,000 dengan tempoh matang 12 bulan.
“Penyimpan SSP, termasuk SSP Edisi Khas berpeluang memenangi 60 kereta mewah dan hadiah bernilai RM14 juta sepanjang tahun dengan 29 kali cabutan,” katanya.

Sementara itu, BSN menawarkan hadiah khas baru, iaitu Audi A5 2.0 bernilai RM320,000 bagi cabutan SSP Penyimpan Terbanyak untuk 2012.

Kereta mewah itu adalah tambahan kepada kereta mewah Mercedes-Benz E200 CGI, Mercedes-Benz C200 EL, BMW 320i dan BMW 520i yang ditawarkan ketika ini.

BSN menyediakan 37,000 hadiah tahun ini berbanding 30,000 tahun lalu termasuk jongkong emas, barangan kemas, pakej umrah/pelancongan, motosikal, barangan elektronik dan baucar beli-belah.

SME Bank lancar SEC, 3 program berteras Syariah (DFIs)

Source From (Utusan Malaysia): http://www.utusan.com.my/utusan/info.asp?y=2012&dt=0126&pub=Utusan_Malaysia&sec=Ekonomi&pg=ek_10.htm



KUALA LUMPUR 25 Jan(Utusan Malaysia) - SME Bank adalah sebuah institusi kewangan pembangunan (DFI) yang telah diberi mandat oleh Kerajaan untuk membimbing dan membangun usahawan negara. Semenjak bulan Oktober 2005 hingga November 2011, SME Bank telah meluluskan 7,266 permohonan dengan nilai pinjaman sebanyak lebih RM 12 bilion.

Angka yang besar ini membuktikan komitmen SME Bank dalam melaksanakan amanahnya untuk membimbing dan membangun usahawan sekaligus membantu Kerajaan mencapai hasrat Program Transformasi Ekonomi (ETP).

Pada 19 Disember, 2011, SME Bank telah membuka cawangan terbaharunya di Plaza Sentral yang dikenali sebagai Sentral Enterprise Centre (SEC). Majlis perasmian SEC telah disempurnakan oleh Datuk Mukhriz Tun Mahathir, Timbalan Menteri Perdagangan Antarabangsa dan Industri. Turut hadir ialah Pengerusi SME Bank, Datuk Gumuri Hussain dan Pengarah Urusan, Datuk Mohd Radzif Mohd Yunus.

SEC yang mula beroperasi sejak Julai 2011 mempunyai pelbagai peranan termasuk sebagai sebuah pejabat serantau dan sebuah pusat bimbingan usahawan melalui program flagship IQ Dagang.

Selain itu ia juga berfungsi sebagai sebuah pusat pemasaran yang efektif dan pusat pengurusan bagi pihak berkepentingan (stakeholders) berikutan kedudukannya yang strategik dan berhampiran dengan beberapa agensi kerajaan yang berada di sekitar Plaza Sentral , Kuala Lumpur.

Di majlis yang sama SME Bank turut melancarkan tiga program baru yang berteraskan syariah. Ia merupakan usaha berterusan SME Bank untuk melakukan penambahbaikan ke arah pencapaian Pelan Transformasi SME Bank (2011-2015) dan pelaksanaan sepenuhnya perbankan Islam.

Agrobank eyes growth in downstream farming activities

KUALA LUMPUR 30/12/2011 (Business Times): Agrobank Bhd is eyeing growth in downstream activities in the agriculture sector as part of its strategy in diversifying loan portfolio for next year.

Source From (Business Times): http://www.btimes.com.my/Current_News/BTIMES/articles/FADZMIf/Article/

Its president and chief executive officer Wan Mohd Fadzmi Wan Othman said the bank, formerly known as Bank Pertanian, had been conventional in its approach to financing for the last 40 years.

"We have been traditionally involved mainly in primary agriculture, with the biggest exposure in palm oil at about 28 per cent. So we need to move away from this, but still remain within the agricultural space.

"We want to go further downstream. Anything that involves agriculture now, we would like to get involved," he said recently.

Agrobank has been actively involved in the production side of agriculture and is looking at going more into food service supply involving wholesalers, retailers, manufacturers and food packaging.

The bank, which aims to be fully Islamic by 2015, is also looking at introducing more products which cater to bigger working capital for small businesses.

Apart from existing fixed and personal loans, the bank plans to introduce trade finance and overdrafts as well as launch its own Internet banking by the first quarter of next year, said Wan Mohd Fadzmi.

Having joined the bank six months ago, he said Internet banking would provide a platform to mobilise funding for the financial institution, which caters to financing asset.

On profit, he said the bank expects to touch RM400 million in pre-tax profit by December 31 2011, compared to RM370 million in 2010. Bernama

Agrobank kembang aktiviti hiliran

Source From (Harian Metro): http://www.hmetro.com.my/myMetro/articles/Agrobankkembangaktivitihiliran/Article/index_html

28/12/2011 (Harian Metro): AGROBANK Bhd menyasar pertumbuhan aktiviti hiliran dalam sektor pertanian sebagai sebahagian strateginya mempelbagaikan portfolio pinjaman tahun depan.

Presiden merangkap Ketua Pegawai Eksekutifnya, Wan Mohd Fadzmi Wan Othman berkata, bank itu yang sebelum ini dikenali sebagai Bank Pertanian sejak 40 tahun lalu sudah melaksanakan pendekatan konvensional dalam pembiayaannya. “Kami secara tradisinya terbabit terutama dalam pertanian utama dengan pendedahan terbesar dalam minyak sawit pada kira-kira 28 peratus. Jadi, kami perlu beralih daripada pendekatan ini, tetapi masih kekal berada dalam skop pertanian. “Kami mahu mengembangkan lagi hiliran. Apa juga yang membabitkan pertanian sekarang, kami mahu terbabit,” katanya di Kuala Lumpur, baru-baru ini.

SME Bank buka tiga lagi SEC

Source From (Harian Metro): http://www.hmetro.com.my/myMetro/articles/SMEBankbukatigalagiSEC/Article/index_html

20/12/2011 (Harian Metro): SME Bank akan terus memainkan peranannya membantu perniagaan perusahaan kecil dan sederhana (PKS) di negara ini apabila memperuntukkan pelaburan RM1.5 juta untuk membuka tiga lagi Pusat Enterpris Sentral (SEC) dan lapan cawangan mini SME di seluruh Malaysia menjelang tahun depan.

Pengarah Urusannya, Datuk Mohd Radzif Mohd Yunus berkata pada masa ini pihaknya mempunyai 19 rangkaian SEC dan komited untuk menjadikannya sebagai pusat bimbingan, penjanaan untung, pemasaran yang efektif dan pusat pengurusan bagi pemegang saham.

“Kami merancang untuk membuka tiga lagi SEC di Kajang, Klang dan Batu Pahat. Manakala lapan cawangan mini adalah yang pertama diperkenalkan oleh SME Bank bagi memudahkan lagi pemasaran dan antara lokasinya adalah di Sungai Petani, Kemaman, Rawang, Pasir Gudang, Lahad Datu, Bintulu dan Sandakan.

“Selain itu, bagi ketiga-tiga program baru SME Bank, sebanyak RM300 juta akan diperuntukkan bagi disalurkan kepada PKS yang berkelayakan. Malah, pada tahun 2012, lebih kurang RM1 bilion dana SME Bank sedia untuk disalurkan kepada PKS yang memerlukan pembiayaan untuk membantu meningkatkan produktiviti usahawan,” katanya di majlis pelancaran SEC di Kuala Lumpur, semalam.

Hadir sama, Timbalan Menteri Perdagangan Antarabangsa & Industri, Datuk Mukhriz Mahathir dan Pengerusi SME Bank, Datuk Gumuri Hussain.

Mohd Radzif berkata, dana RM1 bilion itu juga termasuk dengan RM300 juta yang diperuntukkan bagi semua program baru SME Bank dan setakat ini dana yang sudah disalurkan kepada PKS di seluruh negara berjumlah RM4.4 bilion.

SME Bank terbit sukuk RM3b

Source From (Berita Harian): http://www.bharian.com.my/bharian/articles/SMEBankterbitsukukRM3b/Article

MUKHRIZ (kiri) diberi penerangan oleh Gumuri (tengah) dan Mohd Radzif selepas melancarkan i-Programmes di Plaza Sentral, semalam.

chewan@bharian.com.my
2011/12/20

SME Bank akan menerbitkan sukuk berjumlah RM3 bilion bagi meningkatkan jumlah dananya untuk disalurkan sebagai pembiayaan kepada syarikat perusahaan kecil dan sederhana (PKS) yang melaksanakan projek di bawah Program Transformasi Ekonomi (ETP).

Pengarah Urusannya, Datuk Mohd Radzif Mohd Yunus, berkata dana yang diraih daripada sukuk yang dijamin kerajaan itu akan digunakan untuk tempoh tiga tahun bermula tahun depan sehingga 2014.
Katanya, pihaknya merancang menerbitkan sukuk itu secara berperingkat dengan peringkat permulaan bernilai RM500 juta.
“Pembiayaan ini khusus untuk usahawan atau syarikat PKS dalam sektor perkhidmatan, pengilangan dan pembinaan yang terbabit dengan Bidang Ekonomi Utama Negara (NKEA). Mereka yang mahu mendapatkan pembiayaan ini boleh memohon mengikut saluran biasa bermula tahun depan,” katanya selepas majlis pelancaran Pusat Enterpris Sentral (SEC) Plaza Sentral di Kuala Lumpur, semalam.

Pada majlis itu, bank pembangunan turut melancarkan tiga skim di bawah program pembiayaan ‘i-programmes’ dan model perniagaan baru yang akan menjadi teras kepada program transformasinya untuk tempoh 2011 hingga 2015.

Pelancarannya disempurnakan Timbalan Menteri Perdagangan Antarabangsa dan Industri (MITI), Datuk Mukhriz Mahathir. Turut hadir Pengerusi SME Bank, Datuk Gumuri Hussain.

Sementara itu, Mohd Radzif berkata, SME Bank memperuntukkan hampir RM1 bilion untuk disalurkan sebagai pembiayaan pada tahun depan.
Katanya, daripada jumlah itu, SME Bank menyasarkan untuk mengagihkan sebanyak RM300 juta di bawah i-programmes menerusi skim i-Surf, i-Reach dan i-Splash.

“Jika sambutan bagi bagi ketiga-tiga skim di bawah i-programmes ini menggalakkan, SME Bank bersedia menambah jumlah peruntukkan ini pada masa depan,” katanya.

Mengulas pelancaran SEC, beliau berkata, selain berfungsi sebagai pejabat wilayah SME Bank, ia turut berperanan sebagai pusat bimbingan, pusat penjana keuntungan, pusat pemasaran efektif dan pusat pengurusan bagi pihak yang berkepentingan.

Beliau berkata, sejajar dengan program transformasi SME Bank, pihaknya akan melabur sebanyak RM1.5 juta lagi bagi membuka tiga cawangan baru di Batu Pahat, Kajang dan Klang, manakala lapan lagi cawangan mini akan dibuka seperti di Sungai Petani, Kemaman, Rawang, Pasir Gudang, Lahad Datu, Bintulu dan Sandakan.

SME Bank aims to disburse RM1bil in loans to SMEs in 2012

KUALA LUMPUR Dec 20, The Star Online: SME Bank aims to disburse RM1bil in loans to small and medium-scale enterprises (SMEs) next year.

Source From (The Star Online): http://biz.thestar.com.my/news/story.asp?file=/2011/12/20/business/10128282&sec=business

Its managing director Datuk Mohd Radzif Mohd Yunus said the loan disbursement would focus on projects under the National Key Economic Areas and SME Bank's three i-Programme.

Mohd Radzif said the bank had RM4.4bil of loans in its portfolio to date.

“We plan to raise RM3bil of sukuk in the next three years to tap the financial resources from the Islamic bond market,” he said at the launch of the i-Programme i-Surf, i-Reach and i-Splash here yesterday.

Deputy International Trade and Industry Minister Datuk Mukhriz Mahathir officiated at the launch of the programme.

i-Surf is a financing scheme for SME Bank's existing clients with good repayment record; i-Reach refers to contract financing for the construction sector; and i-Splash is supply contracts financing.

Mohd Radzi said the bank planned to expand its branches from 19 to 22 by opening a branch each in Batu Pahat, Kajang and Klang.

“We also plan mini-branches in Sungai Petani, Kemaman, Rawang, Pasir Gudang, Lahad Datu, Bintulu and Sandakan,” he said. He said the bank would spent RM1.5mil to set up these branches. - Bernama

SME Bank to unveil new rates in 2012

Kuala Lumpur, 2011/12/19 (Business Times): SME Bank Bhd will announce revised rates for its financing products next year, but they will still be lower than what the market offers to small and medium enterprises (SMEs).

Source From (Business Times): http://www.btimes.com.my/Current_News/BTIMES/articles/20111219002925/Article/index_html

SME Bank managing director Datuk Mohd Radzif Mohd Yunus said the new rates are inevitable because from next year, the bank
will be tapping funds from sukuk, not from the government.

“We are talking to several parties but we cannot reveal who they are yet, but the new rates will come in next year,” Mohd Radzif told the Business Times recently.

Besides having new rates, SME Bank will also be operating as a full-fledged Islamic bank by the middle of next year. “We won’t be issuing any more conventional loans. In fact, we have stopped issuing them for some time. For our existing clients with conventional loans, we plan to talk to them into converting

their loans to Islamic ones, but if they still want the loans in a conventional form, we will allow that until their tenure ends,”
he said.

SME Bank posted a pre-tax profit of RM99 million in its third quarter this year, reversing its RM70 million pretax loss last year.

“We have been making losses for the last two years but we managed
to turn the bank around this year by being more efficient
and improving the way we service our clients,” Mohd Radzif said.

So far this year, the bank had approved over RM1.5 billion loans to 1,100 companies. Since its inception six years ago, SME Bank
had given out a total of RM4.2 billion loans to 3,500 companies.
Out of this, the bad debts amounted to RM680 million, or 19 per cent, of the total loans given.

“These are mostly debts collected from companies when we first merged the bank with Bank Industri. Our debts are expected
to lower to at least 17 per cent by the end of this year,” he said.

Mohd Radzif also said the bank expects its loans rate to grow at least eight per cent next year despite talks of an economic slowdown.

“In 2010, our loan growth grew by 5 per cent, while this year, it was eight per cent. For 2012, we expect our loan growth to maintain at eight per cent,” he said.

The bank plans to give out a total of RM3.15 billion in loans within the next three years.

Mohd Radzif also said the bank will be rolling out three mini branches and 10 satellite offices next year.

"We plan to open branches in Klang, Kajang and Batu Pahat (Johor), along with another 10 satellite offices throughout the country," he added.

SME Bank, owned by the Ministry of Finance, was established in 2005 as a development financial institution to nurture and meet the needs of the SMEs. The bank complements existing SME products and services offered by commercial banks through an integrated financial and advisory services.

Bank Rakyat antara 300 koperasi terbaik

IPOH 18 Dis.(Utusan Malaysia - Bisnes) - Bank Kerjasama Rakyat Malaysia Bhd., (Bank Rakyat) mengharumkan nama negara di peringkat antarabangsa apabila tersenarai dalam laporan Global 300, Perikatan Koperasi Antarabangsa (ICA) sebagai antara 300 koperasi terbaik dunia.

Source From (Utusan Malaysia): http://www.utusan.com.my/utusan/info.asp?y=2011&dt=1219&pub=Utusan_Malaysia&sec=Korporat&pg=ko_06.htm

MD. Yusof Samsudin (dua dari kiri) menandatangani plak perasmian Bangunan Angkasa Negeri Perak sambil diperhatikan oleh Abdul Fattah Abdullah (kiri) dan Radzi Jaafar di Ipoh, Perak, semalam.

Berdasarkan laporan Global 300 ICA yang diumumkan baru-baru ini, bank koperasi itu berada di tempat ke-245, menjadikannya koperasi pertama di Malaysia yang pernah tersenarai dalam laporan tersebut.

Senarai itu berdasarkan prestasi dan pencapaian koperasi gabungan ICA bagi tahun 2008.

Sebelum ini, bank berkenaan bersama beberapa koperasi dari Malaysia hanya tersenarai dalam 150 koperasi ICA terbaik di kalangan negara-negara membangun.

Pengerusi Eksekutif Suruhanjaya Koperasi Malaysia (SKM), Datuk Md. Yusuf Samsudin berkata, pengiktirafan besar itu amat membanggakan sekali gus membuktikan keupayaan koperasi Malaysia untuk menyerlah di peringkat global.

''Pengiktirafan tersebut berdasarkan beberapa kriteria termasuk perolehan tahunan yang memberangsangkan, manfaat yang diperoleh ahli serta kualiti produk Bank Rakyat," katanya selepas merasmikan bangunan baru Angkatan Koperasi Kebangsaan Malaysia Berhad (Angkasa) Perak di sini hari ini.

Turut hadir Timbalan Presiden Angkasa, Datuk Abdul Fattah Abdullah dan Pengerusi Angkasa negeri, Radzi Jaafar.

Md. Yusuf berkata, selain Bank Rakyat, pihaknya menyasarkan sebuah lagi koperasi Malaysia iaitu Koperasi Permodalan Felda Berhad (KPF) akan disenaraikan dalam Global 300 ICA pada tahun depan.

''Berdasarkan perolehan tahunan serta nilai aset yang sangat memuaskan, kita yakin KPF juga mampu tersenarai," katanya sambil menambah laporan prestasi koperasi terbabit kepada ICA akan dikemaskini dari semasa ke semasa.

Sementara itu, Md. Yusuf memberitahu, SKM mengunjurkan perolehan tahunan koperasi di negara ini mampu mencecah sehingga RM24 bilion pada tahun depan, meningkat enam peratus berbanding tahun ini.

Katanya, dengan jumlah koperasi yang dijangka meningkat kepada 10,000 buah berbanding 9,000 pada tahun ini, sasaran itu mampu dicapai melalui penglibatan lebih banyak koperasi dalam bidang perniagaan berskala besar.

''Sebab itu, kita sedang mengatur pelbagai strategi bagi membolehkan koperasi-koperasi kecil dan sederhana menceburi bidang perniagaan berpendapatan tinggi seperti perumahan, perladangan, pengangkutan dan pemerosesan," jelasnya.

The Edge Billion Ringgit Club - Malaysia Building Society Bhd

The origins of Malaysia Building Society Bhd (MBSB) can be traced
back to the Federal and Colonial Building Society Ltd, incorporated in
1950. In 1956, it changed its name to Malaya Borneo Building Society Ltd
(MBBS), with the Malayan government as its major shareholder. MBBS was
then listed on the Stock Exchange of Malaysia and Singapore in 1963.



Source From (The Edge Malaysia): http://www.theedgemalaysia.com./in-the-financial-daily/197346-the-edge-billion-ringgit-club-malaysia-building-society-bhd.html
Tuesday, 06 December 2011 11:15

MBSB
was incorporated in 1970 to take over the Malaysian operations and was
listed on the then Kuala Lumpur Stock Exchange in 1972. MBSB is a
scheduled institution as defined under the Banking and Financial
Institution Act 1989 (Bafia). It was granted exempt finance company
status in 1972 by the finance ministry and the status has remained in
force since.

Employees Provident Fund Board and Permodalan
Nasional Bhd are two major shareholders of MBSB. As a financial
provider, MBSB offers a spectrum of innovative financial products and
services for both individuals and corporates throughout its branches
nationwide.

CEO Datuk Ahmad Zaini Othman shares with The Edge
Financial Daily his strategies and dreams for the company, and the
transformation he has led MBSB through since taking over the helm in
early 2009.

TEFD: What are the company’s competitive strengths and advantages?
Zaini:
MBSB is an exempt finance company granted by the finance ministry on
March 1, 1972. This allows MBSB to undertake a financing business in the
absence of a banking licence. As a result of this, it is not subjected
to Bafia and is limited in its ability to provide a comprehensive range
of financial products and services in comparison to its licensed peers.

Nevertheless, it does possess certain strengths and advantages to continue providing promising returns to its shareholders.

MBSB
has an established position in the market as a financial provider that
is preferred by the government servants. As a small financial
institution, we have great flexibility and agility in product
development and the decision-making process.


We are able to leverage on proven outsourcing partners to maintain a
low cost-to-income ratio. We have the ability to develop strategic
business collaborations with both financial and non-financial
institutions to create income-earning opportunities. Lastly, MBSB is a
single entity offering both conventional and Islamic banking products.

What have been the major achievements of the company in the past four years?
We
have achieved record profitability for two consecutive years, with
pre-tax profit of RM80.3 million in 2009 and RM207.4 million in 2010.

(Editor’s note: MBSB has since chalked up pre-tax profit of RM327.1 million for the nine months to Sept 30, 2011).

As
far as non-financial achievements are concerned, MBSB is the only
financial institution with a network of representative offices (REP)
compared to conventional full-fledged branches which require higher
capital expenditure. Our first REP was set up in 2010.

MBSB is
also the only financial institution to possess qualified project experts
such as engineers, property valuers and quantity surveyors. They are
housed under the project management and monitoring department, which has
also been ISO 9001:2008 certified.

In terms of corporate governance, we were ranked 34th under the Malaysian Corporate Governance Index 2010. What
are the major challenges your company faced over the years and how did
it overcome them? Is there anything else you would have done
differently?
As a non-bank financial institution, we have
several challenges. These include effectively competing with existing
market players that are superior in terms of funding costs, asset size,
branch network and infrastructure. We are also constrained in our
ability to extend our reach to customers due to a limited branch
network.

Due to our new business direction, we need the talent
and skills required to execute new business initiatives. We are also
constrained by the inability to provide trade facilities for corporate
clientele. Lastly, there are also various misconceptions of the company
due to past issues and legacy problems.

How do we resolve these challenges?
We
revived the personal financing product for government servants to
establish and cement market positioning as a preferred financial
provider for the government servants. This provides MBSB with a niche
market to serve and avoid direct competition with existing market
players.

We established REP to only promote and sell retail
financial products. This network is less costly to set up and maintain
compared with a full-fledged branch, and is able to provide high
returns.

We have outsourced the sale of retail financial
products to qualified agents nationwide, which provides a greater reach
to customers. New talents and skills have been hired from within the
industry with attractive remuneration packages. More importantly, we
offer them a better career growth due to their position as pioneers in
the company.

MBSB is leveraging on other financial institutions
for the provision of trade facilities, resulting in fee income
opportunities and the ability to become a one-stop financial solution
centre.

In the past, MBSB had been media-shy, leading to
misconceptions not being corrected. Hence, in the last two years,
improvement in the company’s image was achieved through the execution of
fresh marketing campaigns on products to increase brand awareness and
continuous meetings with analysts.

How is the company positioning itself within your industry? What are your strategies to grow or gain market share?
The
company is positioning itself as a key financial provider to the
government servants and to the corporate clientele who has been awarded
government projects. It shall continue to pursue market share in
personal financing through product development and new campaigns, while
continuing to work with the government and its agencies in securing
financing of their awarded projects.

What are your company’s plans for the future, short-term and long-term?
In
the short term, we want to grow our retail assets critically via the
personal financing and home mortgage products, and establish our
position as a reliable financial provider in the corporate segment. In
the long term, we want MBSB to become a respectable industry player with
a strong financial position while serving its niche market.

What are your plans to compete in the increasingly globalised environment?
The
company shall continue to capitalise on its strengths as a small
financial institution in comparison to its peers to compete in a highly
competitive environment. These include the agility in decision-making
process and personalised customer service, especially for corporate
clients. We will leverage on outsourcing to operate efficiently with a
fast turnaround time. The company will avoid direct competition with the
existing financial players.

What is your dream for your company? How would you like to see it in 10 years?
The
company aims to achieve pre-tax profit of RM500 million and be known as
a strong financial institution. In early 2009, we established the
“Taking MBSB to the Next Level” programme to achieve this profit target.
Record profits that were achieved for the last two consecutive years
were based on this mission and the long-term business plan being put in
place will assist the company in achieving that target.


This article appeared in The Edge Financial Daily, December 6, 2011.

BSN sees wealth mgmt contributing 12-15% to revenue by end-2012

KUALA LUMPUR Dec 2, 2011: Bank Simpanan National (BSN) aims to aggressively grow its newly launched wealth management division by tapping into the underserved takaful market.

Source From (The Sun Daily): http://www.thesundaily.my/news/227062
Published: December 02, 2011


                                                     Jeyaprakash (left) and Azim at the launch of Giro Takaful Hajj. ZULKIFLI ERSAL/THESUN

Its deputy chief executive of credit management and business support Winston E. Jeyaprakash said it is looking for the wealth management division, which was launched in June, to contribute between 12% and 15% to the bank's revenue by end-2012.

"It (takaful business) is a lucrative market because the penetration rate is low in this country. The majority of BSN's customers are Muslim and it is a lucrative avenue for us to tap into," he told reporters yesterday at the launch of Giro Takaful Hajj.

He said the division aims to provide a full range of financial planning products and services to complement the overall business of the bank with further value-added products and services.

"We noticed the growing demand for financial management products among Malaysians, whether financial planning for retirement, education, healthcare or others. We offer products for each lifecycle to support the financial needs of our customers," Jeyaprakash said.

He added that BSN is looking to package products from its wholly-owned subsidiary Prudential BSN Takaful Bhd (PruBSN) with existing products.

Jointly launched by PruBSN and BSN, the Giro Takaful Hajj is a family takaful plan that provides protection and savings.

Available since August, Jeyaprakash said it is the sixth product launched under the PruBSN and BSN partnership and sales have been encouraging so far.

PruBSN CEO Azim K. Mithani said: "Building on our relationship with BSN as a shareholder and distributor is crucial and vital towards growing our bancatakaful business and is in line with PruBSN's aspiration to be the number one local takaful operator."

He added that as of June, PruBSN's share of the takaful market in Malaysia was 27%, making it the second biggest company in the industry.

PruBSN distributes its products through its own agencies, Affin Islamic and BSN, which currently has eight million customers and 385 branches. BSN opens eight to 10 new branches each year.