PETALING JAYA: Kenanga Research believes the banking sector is fundamentally at a bargain level, as the share prices of the banking stocks are reflecting return on equities commensurating with a loan growth for the system of 3.4% – which was essentially levels seen during Covid-19. “This, thus, gives us confidence that the banks are undervalued.
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Based on feedback from the industry and the government’s department of financial services, the final norms are easier than the previously proposed draft norms. They include a higher loan-to-value (LTV) ratio for small-ticket loans and don’t require credit appraisal for such loans. The deadline to implement these guidelines has also been extended to April 2026.