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OCBC – s Q4 net profit down 18%, bad debt charges rise #net #profit,debt,charge,income,lender,life

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OCBC s Q4 net profit down 18%, bad debt charges rise

OCBC s Q4 net profit down 18%, bad debt charges rise

SINGAPORE: Oversea-Chinese Banking Corp (OCBC), Singapore’s second-biggest lender, on Tuesday (Feb 14) reported a bigger-than-expected 18 per cent drop in quarterly net profit, weighed down by a 57 per cent jump in net allowances for loans and other assets.

OCBC’s net profit after tax came in at S$789 million in the three months ending December, versus S$960 million a year earlier and an average forecast of S$856 million from six analysts polled by Reuters.

Net allowances for loans and other assets rose to S$305 million from S$105 million the quarter before.

Net interest income for the quarter was 7 per cent lower at S$1.25 billion, the bank said, citing the “continued compression” in customer loan yields. Non-interest income was down 4 per cent at S$926 million, as fee income growth was more than offset by lower net trading income and life assurance profit.

Net profit after tax for the year was S$3.47 billion, down 11 per cent from the previous year. Against a record-performing prior year, the OCBC statement added that the decline in overall earnings for the year was driven by a rise in net allowances and lower trading and insurance income.

Total net allowances for loans and other assets rose to S$726 million, compared to S$488 million a year ago, with increases coming mainly from the oil and gas support services sector corporate accounts.

“Despite difficult business conditions that prevailed throughout the year, the Group delivered a resilient performance. Our results were underscored by the strength of our well-diversified franchise that continues to drive consistent and balanced long-term growth,” said OCBC CEO Samuel Tsien.

Tsien also said “there continue(s) to be stresses in parts of the portfolios particularly within the oil and gas support services sector, which drove increases in non-performing loans and allowances”.

“Looking ahead, while the headwinds facing the broad economy are likely to persist, we are confident that we are well-positioned to support our valued customers through this difficult period,” he said.

The bank has proposed a final dividend of S$0.18 a share, bringing the FY16’s total to 36 cents a share, unchanged from the previous year.

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  • Micro RC Cars – Mini MicroSizers, Xmods, Tomy Bit Char-G, ZipZaps, Epoch Indoor Racers,

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    Welcome to The Micro RC Resource Center

    Choosing the best micro or mini remote control car.

    When people ask me which car is best, there really isn’t a good answer because each micro remote controlled car has its own strengths and weaknesses.

    With that said, I’m going to describe the cars in my radio control car collection and point out the stengths and weaknesses so you can decide which one is best for you.

    Hobbico MicroSizers (1:64 Scale – Approx 2 in Length)
    Also known as Tomy Bit Char-G in Japan.
    Strengths
    . Inexpensive, Durable, Lots of Mods, Small Size
    Weaknesses. Limited Range, Short Driving Time, No Proporational Steering or Speed, Only 4 Available Frequencies

    I think I’ll always have a soft spot for the Tomy Bit Char-G remote control car. There’s something about the MicroSizers cars that are just fun. The compact size (about 2 ) allows you to set up races in a very small area such as your kitchen floor. Its simplicity is also part of its charm. The car and controller can fit in the palm of your hand and with just a couple AA batteries and a smooth surface, you’re ready to go.

    Although the Tomy Bit CharG cars don’t have proportional steering or speed, I’ve always been happy with how the Bit Char-G cars handle. I wish the Bit Char-G cars would drive for longer than 4 minutes, but that’s still enough time for a good race. The standard controllers aren’t as sophisticated as the ones for the DigiQ or Epoch Indoor Racer, but they’re adequete. The special booster controllers that can be purchased separtely aren’t that much more sophisticated and the range is even worse than the regular controller. However, they do have a booster button that allows you to drive at a faster speed along with a switch that allows you to drive any of the four available frequencies from the same controller. Anyone that has fun with a Hobbico MicroSizer, will want to look into the faster motors that can be purchased (available motors: 1.0, 2.0, 2.2, 2.6, 3.0 and 3.8).

    Radio Shack also sells a version of this car called a ZipZap. You can read more about Zip Zaps at the forum.

    MysticKnight’s Buying Advice:
    Everyone should own at least one Bit Char-G remote control car (MicroSizer) with a 2.2 motor or higher. For around $30, you can’t go wrong. If you enjoy using the car and decide to buy others, the special controller is worth looking into especially if you’re going to be racing other people.

    Epoch Indoor Racers (1:43 Scale – Approx 4 in Length)
    Strengths. Proportional Steering and Speed, Realistic Body Designs

    Weaknesses. Needs A Relatively Large Area for Racing, More Expensive, Poorly Designed Controller, Limited Mods and After Market Parts

    The Epoch Indoor Racer is a bit larger (about 4 ) than most other micro remote controlled cars. The speed and responsiveness of this car makes it very fun to drivefor racers that don’t mind paying a little more for a micro remote controlled car.

    At the moment there two types of Epoch Indoor Racers, the spec 1 and the spec 2. The controllers for both are exactly the same but the spec 2 car has smaller, more realistic wheel wells, modified suspension and improved electronics.

    The Epoch Indoor Racer controller is not made very well and there’s not much of an after-market selection of parts and supplies. In contrast, the controller that comes with the Mini Z is outstanding, there are many after-market products and it’s much faster than an Epoch Indoor Racer.

    MysticKnight’s Buying Advice:
    Buy the Hobbico MicroSizer first and if you think it’s a blast and you’re ready to move up to real micro RC racing, consider the Mini Z (described below) instead of the Epoch Indoor Racer.

    Kyosho Mini Z Street Racers (1:28 Scale – Approx 6 in Length)
    More like a real racecar than the smaller cars, Mini Z bodies have amazing detail and cool parts are extremely easy to find. The Mini Z is probably the most popular of the small R/C cars because all electronics are pre-installed and there are many clubs world-wide.

    Kyosho Mini Z Formula 1 (1:28 Scale – Approx 6 in Length)
    Formula 1 cars are now available with the same attention to detail as the original Kyosho Mini Z Street Racers.

    HPI Micro RS4 (1:18 Scale – Approx 9 in Length)
    This car is bigger and similar to the real 1:10 electric cars. Radio and electronics have to be purchased separately and this car tends to be more expensive but it’s the best small R/C car out there in my opinion.

    PITZON’s Buying Advice:
    I can speak for those of us who took the step from racing bigger 1:10 electric cars quite seriously and spending insane amounts of money on the larger cars. Once we bought the Mini-Z and HPI Micro RS4 cars, all of us sold our big cars and race nothing but small R/C cars now.

    Takara Digi Q (1:66 Scale – Just Under 2 in Length)
    Strengths. Durable, Very Small, Good Quality Controller, Proportional Steering, Long Driving Time
    Weaknesses. Doesn’t Handle Well, Slow in Corners, Cartoon Looking Bodies

    Although the Takara Digi-Q is smaller, faster and drives longer on a charge (15 minutes) than the Bit Char-G and the controller is the best quality out of all the controllers (including the more expensive Epoch Indoor Racers), I’ve never really liked the DigiQ cars.

    The Digi Q uses 2 motors to control speed AND steering. When you want to go right, the right motor slows down to make the car go right which means it goes slower in corners. The car is less than 2 long and I think that contributes to how squirly it feels. Instead of using a frequency to transmit to the car, the Digi Q controllers send their signals via Infrared. You can switch the controller to one of 4 settings to match the car you’re racing, but the car itself can’t be switched.

    The controller feels solid in your hand and you can electronically switch between high and low speeds. An optional infrared booster is available to get better range (although the range seems pretty good without it). The DigiQ car and controller costs about $55.

    MysticKnight’s Buying Advice:
    Personally, I would buy the Tomy Bit Char-G instead of the Takara Digi Q. Even though the Bit Char-G is slower, it’s more fun to drive because of how it handles.

    There are several other brands of micro remote control cars that are inexpensive copies of the Tomy Bit Char-G and Takara DigiQ cars. Those cars are called clones and some of them are worth looking into. More information about all the mini radio controlled cars mentioned here and other vehicles such as micro remote control helicopters, mini RC planes, miniature R/C boats, micro remote control tanks and more can be found at the mini RC cars forum. Topics include:





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    Virginia Marijuana Possession Laws – VA Marijuana Charge Penalties – Virginia Pot Lawyer #virginia,

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    Marijuana Drug Possession Charge in Virginia?

    Protect your Rights and Freedom to Drive!

    You can lose your license with a conviction for simple marijuana possession. So it is critical to get started right away to preserve all options in your defense. All drug possession charges in Virginia can be serious even a simple pot possession charge. Talking to an experienced lawyer right away can help you avoid the most severe penalties.

    Marijuana Possession Penalties

    Simple possession of marijuana is a misdemeanor (unclassified), with a maximum penalty or 30 days in jail, and a $500 fine for a first offense.

    For a second (2nd) offense, the maximum penalty increases to 12 months in jail. It is a Class 1 misdemeanor.

    As with any drug charge, conviction, or plea, you are at risk of having your license suspended if you are found guilty.

    Marijuana is classified as a Schedule I drug under federal guidelines, which means it has a high potential for abuse and no legitimate medical use . But it is in a unique class among schedule 1 drugs and has it s own penalty structure under Virginia Law. (Ref: § 18.2-250.1. Possession of marijuana, unlawful)

    Can I Beat a Marijuana Possession Case?

    Yes, in many cases you can. There are a number of ways to challenge and beat a marijuana possession charge. Typically, I may file a motion to suppress if I can argue illegal search and seizure. I can also challenge the prosecution to prove the drugs were legitimately in your control or on your property or person.

    Even if the facts are sufficient to find you guilty, I can help negotiate down sentencing and make the process as painless as possible for you.

    I ve defended hundreds of similar cases, and I ve been able to save my clients from severe penalties countless times. Don t give up hope, even if you think you are guilty. Give me a call I ll listen to your case, review the evidence, and let you know what I would do to fight it, and what I think your chances are.

    Virginia Marijuana Distribution Charge?

    Free Consultation on a Marijuana Possession Charge in Virginia

    If you are facing a marijuana/pot or other drug charge in Virginia, you will benefit by speaking to an experienced criminal defense attorney right away. Call me now to schedule your no-obligation, no-risk, free consultation at (877) 439-2999. I ll talk to you about your case, let you know what you are facing, and let you know exactly what I can do to help.

    The Attorneys of VaCriminalDefenseLawyer.com

    Related Law References:

    § 18.2-255.1. Distribution, sale or display of printed material advertising instruments for use in administering marijuana or controlled substances to minors; penalty Marijuana magazines/advertisement Class 1 Misdemeanor

    Free Legal Consultation

    Contact us for a free legal case evaluation on any criminal charge by calling:

    Receive our free legal defense consultation and case evaluation.





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