the use of a bank nowadays replied by eagle @ Mon, 05 May 2008 00:38:33 +0800

eagle — Mon, 05 May 2008 00:38:33 +0800

For DBS he will be working at Singapore's downtown Shenton Way, where during an earlier stint he met his wife, Koh Li Peng, a top model who earned the tag of Miss Singapore in 1984.

"I would walk out for lunch and see her. One day, I approached her and it started from there," Stanley told the local Business Times in an interview in 2004.

Stanley and his wife have three children.

Got money different

the use of a bank nowadays replied by walesa @ Sun, 04 May 2008 23:58:24 +0800

walesa — Sun, 04 May 2008 23:58:24 +0800

Without going too much into the technicalities for those without a relevant finance/economics background, just thought this might serve as an interesting read for those wondering why Singapore banks pay such low interest rates (among other things) : http://sg.news.yahoo.com/rtrs/20080504/tap-dbs-ceo-c3bb44c.html

DBS is likely to report on Wednesday quarterly profit fell 8.3 percent from a year earlier to S$566 million ($416 million) - SINGAPORE, May 4 - For Richard Stanley, Singapore's attraction goes far beyond the realm of his Citibank career in the city-state. He found love on the island, a former Miss Singapore who became his wife.

The romance with the country has lured the 47-year-old American banker to return to work in Singapore for the third time, to run Southeast Asia's biggest lender, DBS Group Holdings .

But expanding DBS beyond Singapore and Hong Kong, its two key markets where it earns about 90 percent of its profits, and weathering global credit turmoil will not be easy.

"DBS is not a broken bank," said Matthew Wilson, an analyst at Morgan Stanley. "It is just a Singaporean bank and hence has structurally low growth, low returns, and limited distinctive capability to succeed regionally."

DBS cannot offer the global scale and breadth that the likes of Standard Chartered and Citigroup could offer to regional banks, he said.

"Richard Stanley has no easy levers to pull to improve performance."

DBS is likely to report on Wednesday quarterly profit fell 8.3 percent from a year earlier to S$566 million ($416 million), according to a Reuters poll. Analysts expect it to report lower fees and fresh provisions on its exposure to complex credit derivatives.

But the writedowns would be much lower than last year when it wrote down S$270 million on structured instruments, including debt exposed to the collapsing U.S. subprime mortgage market.

DBS is also facing slowing growth after two years of strong earnings momentum as a looming U.S. recession threatens to derail an Asian economic expansion that enabled regional lenders to withstand the credit crisis last year.

But DBS has put its faith in Stanley, who has spent 18 of his 27-year banking career in Asia, including stints in Thailand, Singapore and Shanghai. His appointment came despite speculation the job might go to Francis Rozario, another ex-Citibanker who works for Singapore state investor Temasek Holdings [TEM.UL], which owns 28 percent of DBS.

"As a seasoned banker with a proven track record in Asia, Richard is well-positioned to help DBS grow our regional footprint, diversify our revenue base and focus on higher-return businesses," said the group's Chairman Koh Boon Hwee at the time of the announcement.

His appointment comes as the bank is gunning for expansion in Taiwan where it bought failed lender Bowa Commercial this year, while it is also trying to build a domestic business in China and is increasing branches across India.

Stanley comes with a track record of acquisitions in China, which eluded his predecessor, former JPMorgan banker Jackson Tai, who resigned last year.

Stanley helped lead a Citi consortium's $3.1 billion acquisition of a controlling stake in Guangdong Development Bank in 2006 and Citi's purchase of a minority stake in another Chinese lender, Shanghai Pudong Development Bank .

DEPARTURES

But even before Stanley stepped into his office on Friday, a string of departures at DBS greeted him.

David Lau, the former head of global markets, is joining a hedge fund and analysts fear he could take some traders with him. Edmund Koh, its former top salesman in the consumer division, left to join U.S. private equity firm Carlyle Group in Taiwan, while chief operating officer Frank Wong is retiring at the end of the year.

"DBS has seen three of its most senior executive depart," Credit Suisse's Sanjay Jain said in a note to clients."One too many changes at the same time?"

But a person who has worked with Stanley in China sees him as a team player and someone who has the capability of building an international business.

"He was a great builder of franchise in China and very well regarded by the people here," said the person, who asked not to be identified because of corporate rules. "He cared for the people who worked with him and they were also loyal."

Since Stanley first moved to China, Citi's headcount in the country has grown from 150 to more than 3,000 as of last year.

Stanley joined Citi in 1981 and became China country manager in 1999. He took a regional position in Singapore in 2004, overseeing Southeast Asian markets and banking, before returning to Shanghai in 2005 as China CEO.

For DBS he will be working at Singapore's downtown Shenton Way, where during an earlier stint he met his wife, Koh Li Peng, a top model who earned the tag of Miss Singapore in 1984.

"I would walk out for lunch and see her. One day, I approached her and it started from there," Stanley told the local Business Times in an interview in 2004.

Stanley and his wife have three children.

the use of a bank nowadays replied by balance_else_complacent @ Wed, 30 Apr 2008 22:15:31 +0800

balance_else_complacent — Wed, 30 Apr 2008 22:15:31 +0800

I am going to withdraw all my money from my savings bank savings account tomorrow.

Am putting it into something more rewarding.

I have to walk the talk.

Not much to a bank but hope that not everyone will do the same, transfer to another bank giving better returns.

If money is mine, I will one day withdraw completely what is mine at all cost, NO MATTER WHAT 'BANK' it may be. if u knoe wtf i mean.

the use of a bank nowadays replied by balance_else_complacent @ Tue, 29 Apr 2008 21:30:37 +0800

balance_else_complacent — Tue, 29 Apr 2008 21:30:37 +0800

Thats life, as long as consumers and customers allow it.

the use of a bank nowadays replied by Focors @ Tue, 29 Apr 2008 18:37:43 +0800

Focors — Tue, 29 Apr 2008 18:37:43 +0800

hv you guys noticed that when you are lender to the bank, they inform you reduction of interest rates for deposit very quickly?

but when you are a borrower to the bank, eg mortgage loan borrower, even if you are on variable interest rate package, they take more than 6 months and still do not announce any drop in interest rates?

banks busoh!

the use of a bank nowadays replied by eagle @ Sun, 27 Apr 2008 21:50:38 +0800

eagle — Sun, 27 Apr 2008 21:50:38 +0800

Originally posted by walesa:

What exactly are you looking at in terms of investments? Obviously, purchasing stocks and bills/bonds are as different as chalk and cheese - depending on your needs and risk appetite, the incentives for investment instruments would therefore be different.

On the basis of what you've posted over the last two threads, you don't seem to have a particular area where you seem to have a particular interest in (as you seem to be keeping a lookout for anything from fixed deposit to bills - or was it your gf? - to forex). If I recall correctly, you're an undergraduate, aren't you? Planning on pursuing a career in finance?

Anyway, you may wish to pm me to discuss this further to save others the hassle of reading things that do not directly relate to the thread.

Me ah... looking all over at the moment, while waiting for the economy to cool down somemore before picking up, I guess, around 2010

sent u a pm...

the use of a bank nowadays replied by walesa @ Sun, 27 Apr 2008 21:15:56 +0800

walesa — Sun, 27 Apr 2008 21:15:56 +0800

Originally posted by eagle:

Ok I get about 70% of whatyou mean liao

Any more opinions and suggestions? I'm trying to soak up as much information as possible asap with regards to making money work for you.

What exactly are you looking at in terms of investments? Obviously, purchasing stocks and bills/bonds are as different as chalk and cheese - depending on your needs and risk appetite, the incentives for investment instruments would therefore be different.

On the basis of what you've posted over the last two threads, you don't seem to have a particular area where you seem to have a particular interest in (as you seem to be keeping a lookout for anything from fixed deposit to bills - or was it your gf? - to forex). If I recall correctly, you're an undergraduate, aren't you? Planning on pursuing a career in finance?

Anyway, you may wish to pm me to discuss this further to save others the hassle of reading things that do not directly relate to the thread.

the use of a bank nowadays replied by eagle @ Sun, 27 Apr 2008 17:51:37 +0800

eagle — Sun, 27 Apr 2008 17:51:37 +0800

Originally posted by walesa:

I don't think you get the drift of what I was trying to convey. Firstly, financial and currency markets are synonymous with risks.

By suggesting you convert your base currency, what I mean is this : if you're hedging against the US$ and believe the £ would appreciate more than the S$ against the US$ in a pre-determined timeframe (ie.say a year), it would make more sense for you to convert your S$ into the £ before you invest the money in a foreign account (this would obviously yield a better return than simply converting your S$ directly into US$).

While the currency examples cited here may be theoretical, it is not completely detached from reality if you understand the S$ floating mechanism where the brand of "dirty float" deployed by the MAS effectively floats against a basket of currencies. In short, the strength of the S$ - assuming MAS maintains its existing monetary policy over the course of the period you wish to hedge your funds - has a somewhat direct, but not exclusive, correlation with the strength of the US$ and the £.

Ok I get about 70% of whatyou mean liao

Any more opinions and suggestions? I'm trying to soak up as much information as possible asap with regards to making money work for you.

the use of a bank nowadays replied by walesa @ Sun, 27 Apr 2008 17:33:09 +0800

walesa — Sun, 27 Apr 2008 17:33:09 +0800

Originally posted by eagle:

My post was after I had consulted some UOB person, although I don't really trust him.

Putting in a foreign account, you are still exposed to the long-run risks of the currency market. You never know which way the currency is going to go. Lucky you earn. Unlucky (eg suddenly get sub-prime crisis, etc), then you lose.

Can imagine what happened to those who their fixed D into the US market about 1 year ago?

I don't think you get the drift of what I was trying to convey. Firstly, financial and currency markets are synonymous with risks.

By suggesting you convert your base currency, what I mean is this : if you're hedging against the US$ and believe the £ would appreciate more than the S$ against the US$ in a pre-determined timeframe (ie.say a year), it would make more sense for you to convert your S$ into the £ before you invest the money in a foreign account (this would obviously yield a better return than simply converting your S$ directly into US$).

While the currency examples cited here may be theoretical, it is not completely detached from reality if you understand the S$ floating mechanism where the brand of "dirty float" deployed by the MAS effectively floats against a basket of currencies. In short, the strength of the S$ - assuming MAS maintains its existing monetary policy over the course of the period you wish to hedge your funds - has a somewhat direct, but not exclusive, correlation with the strength of the US$ and the £.

the use of a bank nowadays replied by balance_else_complacent @ Sun, 27 Apr 2008 12:43:33 +0800

balance_else_complacent — Sun, 27 Apr 2008 12:43:33 +0800

Originally posted by eagle:

Even if you put in foreign banks, you are still likely to lose to inflation.

There are many many ways to use money and place them where you can get till 10% p.a. within SG (passively), but very long term... Right after my exams I'm going to embark on some further reading up and preparations..., and already have plans to save a few hundred a month just for this goal alone.

inflation is like true FT. they are needed IF only they are true FT with talents not available here. else, they are just to lower cost. and this is not wise nor is it a solution other than a workaround that anyone can come up. nothing great.

if you read my post paying due attention, you could not fail to read that i said foriegn banks that give higher interest rate. And this implicitly means able to cover the inflation.

i urge you to study hard and avoid IT which is has oversupply of 'talents' that price themselves from 2.5k.

It should now be clear to everyone, the term Talent is over-used and to me strictly, it is not accurate term. They are foreign workers.

A Foreign talent would be, to me, someone like Koh Boon Wan who is invited to be citizen and he dropped his malaysia citizenship to take up the job gubbymenting. another case in point is a scientist. a researcher with nobel prize level of calibre.

I am sure no one in the world dares to criticise me if I call them talents.

Thus, i educate people who still do not understand the word 'talent', what it means.

if you are really a talent, why are you paid low ?

i think somehow they are called foreign talent and fall under the policy of foreign talent. Their obvious purpose i see is to delay mnc from relocating.

Lowered cost due to influx affects locals .Flats price are already world famous expensive, daily expenses are going up and up. ERP, COE, ERP Parking, Inflation has gone record high. medicals, education. how low can poreans salary go to compete with influx ? And Low Quality of Life. But there is someone trying to find the happiest person maybe hoping to clone more people like him.

Thus, a long term solution is needed to give locals higher paying jobs and creating jobs for locals 1st and not just creating job for everyone. delaying MNCs from moving out is not a longterm solution. its a workaround, shortterm. This effort should start about 20 years ago.

the use of a bank nowadays replied by eagle @ Sun, 27 Apr 2008 12:25:48 +0800

eagle — Sun, 27 Apr 2008 12:25:48 +0800

Even if you put in foreign banks, you are still likely to lose to inflation.

There are many many ways to use money and place them where you can get till 10% p.a. within SG (passively), but very long term... Right after my exams I'm going to embark on some further reading up and preparations..., and already have plans to save a few hundred a month just for this goal alone.

the use of a bank nowadays replied by balance_else_complacent @ Sun, 27 Apr 2008 12:20:24 +0800

balance_else_complacent — Sun, 27 Apr 2008 12:20:24 +0800

Originally posted by eagle:

If you do that, I believe you will be charged as being a loanshark

It is a known fact that money will be lost to inflation if you put in the bank since years and years ago. Quite surprising you only notice it now.

Even for the bond my gf has purchased, with a requirement to be held for 5 years, giving average of at least 5.28% p.a., is already losing money to the inflation of 6.7%.

thats right, why should we lend money to banks who use it to invest for themselves?

I will leave them some little money just enough for me to withdraw from ATM for daily expense purposes.

I will put majority of my money in foreign bank or any secure bank for 1 year to try and use internet banking to do money transfers. Even CitiBank and Other Great Foreign Banks that are more international are opening retail banks here and provide ATM machine also.

Thus, Given the INFLATION and LOW LOW SUPER LOW LOW interest given by local banks for savings and FD, there is really no need to owe them in the way of lending their boss my money for them to use at their owns in ways they choose and like and fancy.

No body owes them nothing. This is lesson learnt from life in the PORE. We really do not owe them anything. Their happiness. If we continue to leave money there, they continue to enjoy at my expense. Only when they give higher interest surpassing the inflation by 2 percent then only i may consider. Else, there is really no reason to put into FD and savings account except for ATM purposes. If no need use cheque, then close the current account.

This is to make our local banks better. Let them realise they must not be complacent. Complacency has cost poreans and the pore a lot of reputation loss and money loss and resources loss and most importantly my face is lost in front of foreigners.

that money cannot compensate.

the use of a bank nowadays replied by eagle @ Sun, 27 Apr 2008 12:05:37 +0800

eagle — Sun, 27 Apr 2008 12:05:37 +0800

Originally posted by balance_else_complacent:

Walesa has already answered you. Take his advise and you may be richer for it.

I think his points are valid.

the FACT IS : local banks interest for FD and normal savings account no longer serves its purpose in the sense that why should people 'lend' money to banks that basically returns no interest due to INFLATION ? I rather loan my money to friends and earn some kind of respectable interest.

The customers collectively need to decide if drawing out all money from local banks and put it into a new bank that is reliable and gives better return.

We must understand we do not owe the banks nothing. As in Zilch. They need to wake up their ideas. Do not take kuai locals for granted.

If you do that, I believe you will be charged as being a loanshark

It is a known fact that money will be lost to inflation if you put in the bank since years and years ago. Quite surprising you only notice it now.

Even for the bond my gf has purchased, with a requirement to be held for 5 years, giving average of at least 5.28% p.a., is already losing money to the inflation of 6.7%.

the use of a bank nowadays replied by eagle @ Sun, 27 Apr 2008 11:58:49 +0800

eagle — Sun, 27 Apr 2008 11:58:49 +0800

Originally posted by walesa:

Alternatively, you can change your base currency before depositing your money in a foreign account.

My post was after I had consulted some UOB person, although I don't really trust him.

Putting in a foreign account, you are still exposed to the long-run risks of the currency market. You never know which way the currency is going to go. Lucky you earn. Unlucky (eg suddenly get sub-prime crisis, etc), then you lose.

Can imagine what happened to those who their fixed D into the US market about 1 year ago?

the use of a bank nowadays replied by balance_else_complacent @ Sun, 27 Apr 2008 11:54:18 +0800

balance_else_complacent — Sun, 27 Apr 2008 11:54:18 +0800

Originally posted by eagle:

you asked in the wrong forum

You should post your question either in $Money$ sub-forum or better, within Money Mind in hardwarezone forums

Anyway, quite obvious you do very much about financial planning.

If the interest rate is 7%, your final is 1.07 more than your original amount. However, you will have to take into account exchange rates. If the exchange rate drops in your favour (and SGD is expected to rise in value), and if it drops 7%, your final is 1.07*0.93 = 0.9951, less than the amount you initially put in.

Walsea has already answered you. Take his advise and you may be richer for it.

I think his points are valid.

No matter how you say

the use of a bank nowadays replied by balance_else_complacent @ Sun, 27 Apr 2008 11:53:42 +0800

balance_else_complacent — Sun, 27 Apr 2008 11:53:42 +0800

Originally posted by eagle:

you asked in the wrong forum

You should post your question either in $Money$ sub-forum or better, within Money Mind in hardwarezone forums

Anyway, quite obvious you do very much about financial planning.

If the interest rate is 7%, your final is 1.07 more than your original amount. However, you will have to take into account exchange rates. If the exchange rate drops in your favour (and SGD is expected to rise in value), and if it drops 7%, your final is 1.07*0.93 = 0.9951, less than the amount you initially put in.

Walesa has already answered you. Take his advise and you may be richer for it.

I think his points are valid.

the FACT IS : local banks interest for FD and normal savings account no longer serves its purpose in the sense that why should people 'lend' money to banks that basically returns no interest due to INFLATION ? I rather loan my money to friends and earn some kind of respectable interest.

The customers collectively need to decide if drawing out all money from local banks and put it into a new bank that is reliable and gives better return.

We must understand we do not owe the banks nothing. As in Zilch. They need to wake up their ideas. Do not take kuai locals for granted.

the use of a bank nowadays replied by walesa @ Sun, 27 Apr 2008 04:48:37 +0800

walesa — Sun, 27 Apr 2008 04:48:37 +0800

Originally posted by eagle:

If the interest rate is 7%, your final is 1.07 more than your original amount. However, you will have to take into account exchange rates. If the exchange rate drops in your favour (and SGD is expected to rise in value), and if it drops 7%, your final is 1.07*0.93 = 0.9951, less than the amount you initially put in.

Alternatively, you can change your base currency before depositing your money in a foreign account.

the use of a bank nowadays replied by walesa @ Sun, 27 Apr 2008 04:29:51 +0800

walesa — Sun, 27 Apr 2008 04:29:51 +0800

Originally posted by elementalangel:

that is you have a small sum of money..

dbs gives a 1.5% interest a year

so if you have 100mil for instance.. you get 1.5 mil for free.. thats for sure...

however if you invest it all dirrectly.. you will get risks... would you want to risk/? would u darea take the risks?

Have you considered your deposit in the bank isn't really default-free as you're led to believe?

In Singapore, the deposit insurance is set by the MAS to a limit of just SGD20,000. Basically, 99.98 million of your 100 million is effectively your risk premium...

the use of a bank nowadays replied by eagle @ Sat, 26 Apr 2008 12:39:54 +0800

eagle — Sat, 26 Apr 2008 12:39:54 +0800

Originally posted by balance_else_complacent:

ok, really appreciate your advise which is the 1st advise I received.

To me, I owe no one nothing. I owe no banks no money. I owe them nothing and do not wish to continue 'lending' them at such pathethic interest rate which is eaten by inflation!!!

i vow to remove every cent.

i hope and do not encourage all to do the same.

Imagine the terror of all withdrawing every cent from our local banks!

that is not what i am hoping...but then, in a democracy, we are free man. We own our money legally and fully can decide what to do with it.

If any of my money is stuck in some financial repository , i vow to remove every cent sooner or later , at all cost.

i value freedom more than life itself.

you asked in the wrong forum

You should post your question either in $Money$ sub-forum or better, within Money Mind in hardwarezone forums

Anyway, quite obvious you do very much about financial planning.

is it feasible to WITHDRAW each and every single little cent I have in a bank and put it in a OVERSEAS bank not registered in the PORE and earn the higher interest?

If the interest rate is 7%, your final is 1.07 more than your original amount. However, you will have to take into account exchange rates. If the exchange rate drops in your favour (and SGD is expected to rise in value), and if it drops 7%, your final is 1.07*0.93 = 0.9951, less than the amount you initially put in.

the use of a bank nowadays replied by balance_else_complacent @ Sat, 26 Apr 2008 11:15:56 +0800

balance_else_complacent — Sat, 26 Apr 2008 11:15:56 +0800

ok, really appreciate your advise which is the 1st advise I received.

To me, I owe no one nothing. I owe no banks no money. I owe them nothing and do not wish to continue 'lending' them at such pathethic interest rate which is eaten by inflation!!!

i vow to remove every cent.

i hope and do not encourage all to do the same.

Imagine the terror of all withdrawing every cent from our local banks!

that is not what i am hoping...but then, in a democracy, we are free man. We own our money legally and fully can decide what to do with it.

If any of my money is stuck in some financial repository , i vow to remove every cent sooner or later , at all cost.

i value freedom more than life itself.

the use of a bank nowadays replied by Paradise Lost @ Sat, 26 Apr 2008 10:52:05 +0800

Paradise Lost — Sat, 26 Apr 2008 10:52:05 +0800

Originally posted by balance_else_complacent:

Hello Friends and Worldly people,

I need your advise.

Given the local banks are giving so so soo soooo soooooooooo sooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo

low interest for savings and FD,

is it feasible to WITHDRAW each and every single little cent I have in a bank and put it in a OVERSEAS bank not registered in the PORE and earn the higher interest?

Will I be taxed for the interest earned from a foreign, unregistered-with-the-PORE bank? How about through a bank in the internet of no borders?

I am sick of 'LENDING' my hardearned money to local banks who give me interest like not giving at all taking into account the INFLATION.

Should we all withdraw all our money from local banks?

This is purely a question.

Hope to get some kind of financial advise.

Danke.

Yes, its extremely feasible. In fact, there are international banks operating in Singapore that provides services such as Foreign currency deposits, saving you from the need to go overseas physically and openning a bank account there.

Of course, you will be bearing the foreign exchange risks if you do. And no, you won't be taxed.

the use of a bank nowadays replied by balance_else_complacent @ Sat, 26 Apr 2008 09:49:08 +0800

balance_else_complacent — Sat, 26 Apr 2008 09:49:08 +0800

Hello Friends and Worldly people,

I need your advise.

Given the local banks are giving so so soo soooo soooooooooo sooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo

low interest for savings and FD,

is it feasible to WITHDRAW each and every single little cent I have in a bank and put it in a OVERSEAS bank not registered in the PORE and earn the higher interest?

Will I be taxed for the interest earned from a foreign, unregistered-with-the-PORE bank? How about through a bank in the internet of no borders?

I am sick of 'LENDING' my hardearned money to local banks who give me interest like not giving at all taking into account the INFLATION.

Should we all withdraw all our money from local banks?

This is purely a question.

Hope to get some kind of financial advise.

Danke.

the use of a bank nowadays replied by maurizio13 @ Fri, 25 Apr 2008 06:23:42 +0800

maurizio13 — Fri, 25 Apr 2008 06:23:42 +0800

deathbait,

such a long hiatus since your last post.

so........

it's been like almost a month, have you asked or found out from your colleague yet?

the use of a bank nowadays replied by maurizio13 @ Sat, 29 Mar 2008 22:45:17 +0800

maurizio13 — Sat, 29 Mar 2008 22:45:17 +0800

deathbait,

Where are you hiding???

the use of a bank nowadays replied by maurizio13 @ Thu, 27 Mar 2008 07:45:53 +0800

maurizio13 — Thu, 27 Mar 2008 07:45:53 +0800

Originally posted by deathbait:

ok, i have admitted i don't know what you're talking about and you want to milk it.

Fine. I WILL ask my friends about it. Sheesh. I guess we know who's on the ego trip and who's really contributing now.

Still, I would be very surprised indeed if anyone tells me of an economic principle that would cause a difference in the EV between investing in shares and putting it in a bank.

For a person who talks with much authority in risk/reward curves and expected value, you now profess that you have no idea what I am talking about.

Managed to get afew copies of exactly the same graph from 2 books (I edited the revealing information), which you might be able to ask your colleagues.

If your friends are still clueless, tell them this work won the researcher a Nobel Prize.

Or maybe you have found out from your friend as to the meaning of this curve, realised your folly and decided to stop blabbing.

Recent Posts in 'the use of a bank nowadays' | sgForums.com

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