Orchestrated by some greedy investors

EPF disposed I 746k but acquired 3+ millions of PBB ? This is calling selling down in order to buy cheaper , a common trick by big players coz buying n selling to them is free but small investors are subjected to fees , commission n taxes ?

Be careful the trend in 99 SmartT will be like diy . Going sky high to 4 n dropped to 1.50 n now 2.50 .

No point to run coz already too low compared to its max . Why not wait further to see how far that EPF is selling n buying ? Trend of buying more or less than selling? Without the EPF interference , this stock is solid like a rock !

10c already collected safely n that’s the important thing !

It is epf that created the havoc in selling n buying. Selling in volume double of buying n that’s created the lows n lows ! Hold steadfast will be the solution coz us minority shareholders have to pay hefty commissions in buying n selling not them !

Scientex's potential to reach RM 5 or 6 per share will depend on various factors, including its projected earnings growth, market conditions, investor sentiment, and industry performance. While earnings projections for 2025 and 2026 can signal optimism, it is crucial to consider:

1. **Earnings Growth**: If Scientex’s earnings grow steadily, especially through its property and packaging segments, it could boost investor confidence and increase its stock price.
2. **Market Sentiment**: If the broader market conditions in Malaysia and global demand for packaging products remain positive, this could support a price increase.
3. **Valuation Metrics**: Scientex's price-to-earnings (P/E) ratio, dividend payouts, and future earnings per share (EPS) will play a significant role in determining its stock movement.

Monitoring Scientex's quarterly performance updates and market conditions leading up to 2025 and 2026 will be key in evaluating whether it can reach RM 5 or 6.

EOF selling 9 millions shares in 2 tranches ! That’s the reason the stocks are coming down !

Malaysia Building Society Berhad (MBSB) has undergone significant changes in recent years, including its merger with AFB (Asian Finance Bank), which transformed it into a full-fledged Islamic bank, now known as MBSB Bank. Here's an analysis of its financial potential and future prospects:

### Financial Potentials:
1. **Earnings Growth**: MBSB has shown earnings growth through its transformation into an Islamic banking institution. Its financial services focus on retail banking, corporate banking, and real estate financing. However, compared to larger banks in Malaysia, MBSB's earnings are more volatile.

2. **Cost-to-Income Ratio**: One of the challenges for MBSB has been improving its cost-to-income ratio, which is higher than industry leaders. Over time, MBSB has been working to enhance operational efficiency, but this remains an area for improvement.

3. **Loan Growth**: MBSB has strong retail lending, especially in personal financing and home loans. However, its competition with bigger banks means that loan growth is moderate. Any slowdown in property markets or consumer spending could impact its loan book.

4. **Asset Quality**: MBSB's non-performing loans (NPLs) have been an issue in the past, but the company has improved its asset quality in recent years. Still, investors need to keep an eye on potential credit risk in economic downturns.

5. **Capital Position**: MBSB's capital adequacy ratio is above regulatory requirements, indicating financial strength. However, it may still be vulnerable in comparison to larger banks like Maybank or Public Bank.

### Future Prospects:
1. **Islamic Banking Growth**: As an Islamic bank, MBSB is well-positioned to benefit from Malaysia's growing Islamic finance market. The government’s support of Islamic banking provides a positive long-term growth trajectory for the company.

2. **Digitalization and Innovation**: MBSB Bank is working on improving its digital banking offerings, which is essential for future competitiveness. However, it may lag behind bigger competitors like CIMB or Maybank in terms of tech investment.

3. **Economic Sensitivity**: The bank’s fortunes are closely tied to Malaysia's economic performance. While MBSB could see growth during economic expansions, it may face pressure during downturns or interest rate hikes, given its reliance on consumer financing.

4. **Expansion Strategy**: MBSB has been cautious with aggressive expansion but may pursue growth in niche markets like affordable housing or small business financing. This conservative approach could lead to steady but not explosive growth.

### Investment Considerations:
- **Advantages**: MBSB offers exposure to Islamic banking with potential growth in retail and corporate lending. It also tends to provide higher dividend yields compared to some larger banks, appealing to income-focused investors.

- **Risks**: MBSB is smaller and less diversified than major players like CIMB, Maybank, and Public Bank, which makes it more vulnerable to economic changes. Its cost structure and NPL management are areas of concern for long-term investors.

### Conclusion:
MBSB could be a good investment for those looking to gain exposure to Malaysia's Islamic banking sector and willing to accept a smaller player with moderate growth prospects. However, compared to larger banks, MBSB carries higher risks, especially in a challenging economic environment. It might be worth investing if you believe in the long-term potential of Islamic finance, but it would be prudent to consider it as part of a diversified portfolio.

CIMB's shares in Bursa Malaysia have shown steady performance, but deciding whether to hold or sell depends on several factors related to its financials and future prospects.

### Financials:
- **Earnings**: CIMB has consistently improved its earnings, with a strong Q2 2024 performance. Its net interest margin (NIM) remains stable, and it has continued to reduce its cost-to-income ratio, which improves profitability.
- **Dividend**: CIMB has been paying a solid dividend, although not as high as Public Bank or Maybank in terms of yield. Dividend payout ratios have been relatively consistent, making it attractive for long-term investors.
- **Loan Growth**: CIMB has seen moderate loan growth, driven by both its Malaysian and regional markets, with growing contributions from Indonesia and Thailand.

### Future Prospects:
- **Digital Banking**: CIMB has been investing heavily in digital transformation, aiming to compete better with both traditional and digital-first banks. This is crucial for long-term growth as more banking services move online.
- **Regional Presence**: CIMB’s extensive presence across ASEAN gives it the potential for higher regional growth than Public Bank, which is more Malaysia-focused. This could be a key advantage as Southeast Asia's economies expand.
- **Cost Efficiency**: CIMB's continued efforts to streamline its operations and reduce costs, combined with ongoing digital banking initiatives, are expected to enhance profitability and competitiveness.

### Comparison with Maybank:
- **Maybank** remains the largest bank in Malaysia by market capitalization, assets, and revenue. CIMB, while growing, still lags behind in terms of size and profitability.
- **Dividend Yield**: Maybank has historically had a higher dividend yield compared to CIMB.
- **Global Reach**: Maybank's stronger international presence, especially in Singapore, gives it a more diversified earnings base, while CIMB’s strength lies in ASEAN.

It's unlikely CIMB will surpass Maybank soon given Maybank’s significant lead in size and reach. However, CIMB could continue to grow faster in specific regional markets.

### Comparison with Public Bank Berhad (PBB):
- **Stability**: PBB is known for its conservative approach, focusing on quality assets and sound risk management, leading to stable performance even during economic downturns.
- **Profitability**: PBB has higher return on equity (ROE) and lower non-performing loan (NPL) ratios compared to CIMB, making it more resilient.
- **Dividend**: Public Bank has a more consistent and higher dividend payout ratio than CIMB.

### Hold or Sell?
- **Hold**: If you're looking for growth exposure, especially in regional markets and the digital banking sector, CIMB might be a good long-term hold. It’s improving operational efficiency and has upside potential in ASEAN.
- **Sell**: If you're looking for higher dividends or more stable financial performance, Maybank or Public Bank may be more attractive.

In summary, CIMB has good growth potential, but it is less stable than Public Bank and unlikely to surpass Maybank in the near future. Whether to hold or sell depends on your investment goals and risk tolerance.