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[Jenayah]
Propa memburukkan tabung haji lagi. Pokcit mokcit tolong la jgn telan bulat2
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Edited by kasibiman at 17-12-2018 04:12 PM
Lepas 4bn 'short', keluar cerita SPV Dan betapa TH perlu 'duit gantian 20bn'.
Lepas tu keluar kuota haji punya cerita.
Skang; TH itu illegal bank.
How Tabung Haji became an unregulated ‘bank’
CORPORATE NEWS
Saturday, 15 Dec 2018
by m. shanmugam
LEMBAGA Tabung Haji (TH) started off with the noble cause of helping the poor perform their haj pilgrimage.
It was given the authority to collect deposits, a privilege accorded only to financial institutions that are tightly regulated by Bank Negara.
To help poor Muslims, TH pays out healthy dividends on the deposits so that the poor can get to perform their haj. No questions are asked on the depositors’ source of funds and there is no limit on how much each depositor can make.
There is no tax on the returns and no zakat obligations.
“Compare this with the rigorous scrutiny that depositors go through when they place their money in commercial banks. Depositors have to show proof of funds for any deposits of more than RM50,000 and the amount will drop to RM25,000 next year,” he says.
The banker says repeated cash deposits would warrant an STR and the account would come under scrutiny.
“Those depositing in TH do not have to go through such scrutiny. Small sums of money that cannot be accounted for can be deposited in the pilgrim fund,” the banker says.
The unique deposit-taking privilege is a moral hazard for the fund, according to a review on its financial position that was done by PricewaterhouseCoopers.
TH has attracted a lot of deposits – amounting to RM70.2bil as of end-December 2017 – which is equivalent or more than selected commercial banks.
Financial review
According to the review on the financial position of TH, 50% of the deposits came from 1.3% of depositors. The fund has a total of 9.1 million depositors, which means that 118,300 contributed to almost RM35bil of the funds.
The single highest account is more than RM190mil.
The deposits are incredulous, considering that the most expensive package to fulfil the Haj is only RM180,000.
However, it is easy to fathom why TH attracts deposits. Apart from the limited scrutiny on the source of funds, it gives out good dividends. The high dividends are particularly conspicuous in the 10 years when banks offered low deposit rates of 3%.
Due to the accommodative monetary policy that was started by the United States, deposit rates fell significantly. At one point in Malaysia, it was less than 3%. In other countries such as Germany, it went into negative territory, meaning depositors had to pay the bank for putting in their money.
However, TH was giving out between 5% and up to 8.25% during this era. And because TH is guaranteed by the government, it offers a high return-low risk proposition.
“High-net-worth individuals could have easily borrowed from commercial banks at 4% or less and placed it with TH for returns of 8%. It is an easy 4% return with low risk,” says an investment banker.
In the last 10 years, the lowest dividend was 5% in 2008, which was the year the world went into turmoil due to the financial crisis in the US.
According to the review on TH’s 2017 financial report, the fund could have taken excessive risk because of the high returns it needed to give depositors.
Going forward, TH’s deposit-taking operations are to come under the purview of Bank Negara. This could mean an added level of scrutiny on its operations, as well as the appointment of directors to its board.
“Appointments of new directors would have to go through Bank Negara, which would impose a “fit and proper” test. Politicians will not be allowed to sit on the board,” says the banker.
Bank Negara imposes a stringent “fit and proper” test on potential candidates to sit on the board of banks. This is because banks collect deposits and have to be regulated. However, this practice was previously not applicable in the case of TH, as it did not come under Bank Negara.
Another proposal that is being considered is to limit the amount of deposits to RM200,000 per depositor.
Permodalan Nasional Bhd limits the deposit of every client. The same is likely to be applied to TH.
The new board that is headed by Tan Sri Mohammed Nor Md Yusof and assisted by the likes of Datuk Seri Zukri Samat and Datuk Zaiton Mohd Hassan are there to set it right once and for all.
“They cannot control what happens in the future or who is appointed to the board. But once the structure is in place, there will be some level of supervision so that there is no abuse,” says the banker.
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Author |
Post time 15-12-2018 03:48 PM
From the mobile phone
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Journalist shanmugam Tak sentuh langsung pertimbangan pokok org menabung Kat tabung haji selain urusan rukun Islam kelima: KEPERLUAN untuk pulangan pelaburan Yang diyakini halal.
And persatuan laoya islam patutnya heret shaugam to court to disclose si banker bangsat takde otak mana yg dia rujuk dgn segala mcm Komen tu.
Kebabian apa dok rujuk Dan banding TH dgn sebuah bank? TH Ada bagi loan ke sial? Kimak nyer bangsat.
And namakan je sekali partner Coopers yg buat report tu. Nak tahu jugak nama ejen2 propaganda gomen ni.
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Author |
Post time 15-12-2018 03:49 PM
From the mobile phone
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kasibiman replied at 15-12-2018 03:48 PM
Journalist shanmugam Tak sentuh langsung pertimbangan pokok org menabung Kat tabung haji selain uru ...
Lupa, pokcit wak kasi nak maki jugak: |
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yang rosakkan tabung haji ni
orang melayu la juga
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thread gini harus mahacai taknak komen.... komen depa yeayyy umno berkubur... pdhl umno salin kulit.....
dgr2 game che det makin menjd.... anwar kena game lg for sure haha |
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bagus le
biar le anwar kempunan jadi pm
walaupun aku sokong ph, aku tak gemar benar anwar tu jadi pm
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Author |
Post time 15-12-2018 04:00 PM
From the mobile phone
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Knights replied at 15-12-2018 03:55 PM
yang rosakkan tabung haji ni
orang melayu la juga
Maka halal utk jahanamkan tabung haji?
Hitler buat palat tapi Ada jarmang dijahanamkan mcm Syria? |
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dinopower2 replied at 15-12-2018 03:55 PM
thread gini harus mahacai taknak komen.... komen depa yeayyy umno berkubur... pdhl umno salin kulit. ...
hahaha .. kita ada la taktik kita sendiri. Lagipun kita pegang janji 2 tahun. pastu tahulah kita apa nak buat. tak payah lah nampak terdesak sgt .
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ya jerman hancur lepas ww2
takkan ko tak tahu
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dah berangan le tu  jangan kempunan lagi sekali udah la ye.
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sapa2 yang belum kluarkan duit dari TH, sila kluarkan segera.
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Knights replied at 15-12-2018 04:04 PM
dah berangan le tu jangan kempunan lagi sekali udah la ye.
tak de la kita terhegeh2 nak kutip sampah2 UMNO. kita ada prinsip. tak kemana pun Tun dgn katak2 tu. |
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tapi terlalu awal lah nak terang kan segalanya sekarang ni. biarkan Tun syok sendiri dulu. Tapi satu la.. tindakan Tun ni hanya menambah musuh disekelilingnya. hanya tunggu masa. |
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dess402 replied at 15-12-2018 04:10 PM
tapi terlalu awal lah nak terang kan segalanya sekarang ni. biarkan Tun syok sendiri dulu. Tapi sa ...
tgk gini dah le.... tun humban anwar dlm penjara.... bleh die berbaik balik.....
tak mustahil nanti tun berbaik blk dgn najib.... yg penting boboiboy kena naik haha
mahacai je bengap happy umno berkubur haha |
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Ni lah sbb yg sebenar mengapa deposit th letak under bank Negara sbb dia org heran tgk deposit th yg berbiliyun2 Tu bukannya masalah terlebih dividend ker liabilty lagi bnyk Dari asset ker etc. Terlebih dividend Tu cuma alasan utk mof pinjam duit th dgn rate yg murah utk beli asset th dgn harga harga yg murah hahaha amacam penyimpan semua hepi??? Hahaha withdraw jer hahaha dua kali kena rogol pun tunggu lagi...cerdik sikit lebai... |
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Author |
Post time 17-12-2018 08:17 AM
From the mobile phone
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TH bukan bank.
Downside letak TH bawah BNM utk kawalselia deposit maknanya banyak cost of compliance TH akan kene bayar pulak.
Berapa persen pulak ni akan makan dari kadar dividend? |
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satu persatu org kapir minat nak campur urusan org Islam walaupun sebenarnya mereka tiada kena mengena...heran bin ajaib |
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Author |
Post time 17-12-2018 09:26 AM
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Simunggu replied at 17-12-2018 09:00 AM
satu persatu org kapir minat nak campur urusan org Islam walaupun sebenarnya mereka tiada kena menge ...
Masalahnya dari segi ilmu org kapir Pon perlakuan Tak masuk akal.
4bn mark to market losses adalah lebih kurang 5% hit atas 74bn. Nobody in financial services would even bat an eyelid.
No justification whatsoever utk letak TH kategori distress sampai nak kene recapitalise.
And recapitalise to the tune of 27% cash of 74bn base?
Jesus. Farking. Christ. Basel III minimum capital adequacy ratio Pon 10.5% from combined tier 1 and tier 2 capital. And none of the tier is 100% cash.
Kebabian apakah ini sialllllll |
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apa pun berlaku nothing to do with kapirun....the end..semua duit org Islam...
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sabar, tunggu tun dpt majoriti 2/3 nanti senang nak gubal apa2 katanya. dah selesai kutip sampah sarap dlm umno nanti dpt lah semula kuasa veto tun. baru senang nak buat kerja. bakal terbela la nasib melayu, bumiputera, muslim lps ni
#rinduzamantun
@lazim |
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Post time 15-12-2018 03:42 PM
变色卡
