今天趁得空想聊聊大众银行，相信大家都知道大众银行在星期五股价大跌的消息。

我有去深入了解了一下，主要原因是因为郑氏家族星期四时表态会减持股权至10%，以遵守金融与服务法令（个人持有金融股不能超过10%）。股民们瞬间就想到有大约 13.4% 的股票会被抛向市场，恐惧加上情绪化，在短短十多个小时内（包括睡觉时间）根本无法理性思考和研究，第二天开市就着急卖了，一看到跌那么多，一些本来观望的人也着急一起跟着卖了，从而造成大众银行股价在星期五那天大跌 5.7%，这个跌幅比八月头的小型股灾跌多了一倍（八月头小型股灾那天才跌了 3.5%)。

可是大多数人都忽略了其实这项减持计划是用五年的时间分阶段进行，不是说突然间就把那 13.4% 的股票丢去市场。再加上除了在公开市场卖，郑家还会私底下卖给符合资格的大股东，公司高管和公司员工，甚至可以私底下卖给 kwsp/ asnb / khazanah 或多位隐形富豪，甚至可以以股代息，每年用股票来替代成部分股息分给各位股东（没有多印股票，所以这样做每股净利也没有被稀薄）。真正卖到市场上的票可能不到一半，算下来每个月也只会卖 1500-2000 万股，根据大众银行过去五年每月平均交易量 3 亿 1000 万股，这每月 1500-2000 万股的抛售额根本就不值一提，不会对市场构成压力。

经过了这两天的冷静期，相信大部分股民都会慢慢恢复理智，逐渐看到这场危机中的机会，毕竟比起已经起了那么多的 maybank / cimb / hong leong bank / rhb bank / ambank，大众银行目前的股价可以说是已经严重低估了，星期一大众银行的股票应该会来个大反弹了。

欢迎大家理性讨论。

Public Bank Berhad (PBB) is known for its conservative and consistent dividend payouts, which have historically provided a yield in the range of 4%. This stability is due to its strong financials, efficient cost management, and solid asset quality. After the LPI takeover, PBB is likely to enhance its non-interest income and insurance segment, potentially strengthening its overall profitability and risk diversification. However, this alone may not be sufficient to make it outperform major competitors like Maybank or CIMB in total revenue, as they have broader regional and diversified operations.

Surpassing RM 25 per share, as before the split, would require significant growth in earnings, market sentiment, and broader economic conditions. While PBB remains a solid choice for long-term income and safety, especially for dividends, relying solely on one stock for retirement could be risky due to market fluctuations and changes in the banking landscape. Diversifying your investment portfolio can help manage risk and ensure a stable income for retirement. It is recommended to assess your risk tolerance and financial goals before making any major investment decisions.