Bank of Queensland Ltd- Focusing On Niche Business And Customer Satisfaction

Focusing on niche business and customer satisfaction: Bank of Queensland Ltd (ASX: BOQ) stock corrected over 19.41% in the last six months and by 21.19% during this year to date (as of February 10, 2016) impacted by the rising competitive pricing coupled with decreasing interest rates impact on margins. However, despite the tough market conditions, BOQ managed to deliver a cash net interest margin improvement by 15 basis points to 1.97% during 2015 fiscal year, driven by better BOQ Specialist business. Accordingly, the group continues to focus on its high margin businesses like BOQ Finance and BOQ Specialist. Bank of Queensland also enhanced its Net Promoter Score to 30.5 in 2015 as compared to less than zero in early 2013, and way ahead of the major banks average of 0.5. BOQ also intends to spend $15.0 million in FY16 towards reshaping its organizational structure to better affect the group’s strategy and to be at par with competitors. This is believed to help move towards cost to income ratio in the low 40% range. The bank is launching Virgin Money mortgage product via its broker channel during the first quarter of 2016. BOQ also continues to focus on expanding distribution channels of Retail Bank, by increasing accredited brokers to 4,000 from 2,500. To read the complete report click here . To get your free report Click Here

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Suncorp Group Ltd Operational challenges In General Insurance Business

Operational challenges in General Insurance Business: Suncorp Group Ltd (ASX: SUN) stock plunged over 20.68% in the last six months (as of February 05, 2016) as the group’s General Insurance margin were under pressure during the six months ended on December 2015 due to $4 billion natural hazard events impact and falling Australian dollar. Management reported that their underlying Insurance Trading Ratio (ITR) would also be affected by $75 million rise in the natural hazards allowance, more than expected loss in Commercial Insurance, rising claims frequency in Compulsory Third Party (CTP) insurance in NSW as well as decrease in investment yields. Accordingly, ITR is forecasted to be about 10% in the six months ended on December 2015. Nonetheless, SUN expects these to be short term challenges which the company is poised to overcome.  To read the complete report click here 

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Are These Six Dividend Stocks Undervalued?

Operational challenges in General Insurance Business: Suncorp Group Ltd (ASX: SUN) stock plunged over 20.68% in the last six months (as of February 05, 2016) as the group’s General Insurance margin were under pressure during the six months ended on December 2015 due to $4 billion natural hazard events impact and falling Australian dollar. Management reported that their underlying Insurance Trading Ratio (ITR) would also be affected by $75 million rise in the natural hazards allowance, more than expected loss in Commercial Insurance, rising claims frequency in Compulsory Third Party (CTP) insurance in NSW as well as decrease in investment yields. Accordingly, ITR is forecasted to be about 10% in the six months ended on December 2015. Nonetheless, SUN expects these to be short term challenges which the company is poised to overcome.  To read the complete report click here 

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Westpac Banking Corp – Efforts To Address Client’s Needs

Efforts to address client’s needs:For 2015, Westpac Banking Corp (ASX: WBC) announced statutory net profit for the 12 months to 30 September 2015 of $8,012 million, up 6% over the prior year. Cash earnings grew 3% to $7,820 or 249.5 cents per share, up 2%, while cash return on equity was down 57 basis points to 15.8%. Net interest income increased 6%, lending was up 7% and customer deposits was up 4%. Looking ahead, Westpac is positive about the future and believes that it is strongly positioned for the number 1 or number 2 position in all key markets. This is mainly driven by a distinct portfolio of brands, a market-leading online and mobile platform, and a high quality management team. A recent New Westpac research release revealed saving money is a top priority for Australians. Over two million Australians intend to make a New Year’s resolution about saving money in 2016, with a total savings target of $21 billion. The Westpac New Year Resolutions Report shows almost 85% of those who are making a New Year savings resolution have a specific savings target in 2016, on average aiming to save $11,234 for the coming year. However, we believe that the stock is still “Expensive” at the current share price.   To read the complete report click here 

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Capitol Health Ltd- Targeting Organic Growth

Targeting Organic growth: Recently, Capitol Health Ltd (ASX: CAJ) entered into a memorandum of understanding with Enlitic LLC to commercialize Enlitic’s deep learning and artificial intelligence protocols in radiology and healthcare. The agreement delivers Capitol exclusive use of Enlitic in Australia and provides for collaboration on international deployment. Capitol has made a partnership investment of up to $10 million expecting to potentially yield revenue and expenditure benefits during financial year 2017. For financial year 2015, CAJ recorded a growth of 23% in its revenue to $111.2 million compared to previous year. Net profit before tax (NPBT) margin expanded 325 basis points to 14.5% while NPBT increased 59% to $16.2 million. Underlying EPS stood at 2.49 cents, compared to 1.68 cents in year ago. Looking ahead, Capitol estimates strong performance to be maintained in financial year 2016 with focus on integrating acquisitions and driving synergies and network benefits. Government initiatives are seen supporting further organic and acquisitive growth of the company thereby driving revenue and profits. However, impact from the government mid-year economic and fiscal outlook is yet to be ascertained while the company is trying to fetch more details. On the other hand, CAJ board remains committed to a Progressive dividend policy supported by strong cash flows. With a good dividend yield, we rate this stock a BUY at the current share price of  $0.17  To read the complete report click here

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MyState Ltd On Going Settlements Growth

Ongoing Settlements growth: MyState Ltd (ASX: MYS) stock rallied over 2.16% in just last five days (as at December 31, 2015) while Standard and Poor’s reiterated the group’s BBB rating and even enhanced its outlook to positive from stable on the back of better asset quality of MYS. MyState Ltd.’s settlements reached $1 billion while its settlements in second half of 2015 generated 50% better settlements than the first half of 2015 leading to a FY15 settlements growth of 75% against prior corresponding period (pcp).  To read the complete report click here 

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