He he, many leng lui in their PB center !

I was impressed with OCBC as about 3 years ago I went to their normal branch (not PB branch). As I need to use their wash room, one of their staff opened it for me which is supposed to be for their staff use only. I mentioned this 3 years back, I think.

OCBC opened a new PB center in Penang few months back. Rather IMPRESSIVE !! The best of the PB centers that I have seen in Penang. CB one used to impress me, but no fight with this one !! SCB, UOB PB center far behind the OCBC one. Best of all is the leng lui there.

The RM that served me is a former MAS air stewardess !! Really a leng lui. She looked like one Taiwan actress.

However the whole process of opening acct there took >1.5hrs !! Except enjoyed to be with the RM, ha ha.

Also opened a Smart Saver account with RM210.

This post has been edited by bbgoat: Mar 2 2015, 09:44 PM

Thank you for your info.
The previous 4% bonus saving promo is better than this one.
RM 20K in CA got no interest; unless if can put big amount to SA.

Are you participating this SCB 4.28% bonus saving?

Forgot to mention that SCB PB center offered to mail the FD cert to me. Good as I do not need to wait there.

Also free parking for 1.5hrs. Too shy to ask for longer hrs when she offered "is 1.5hrs enough ?". I actually went to OCBC PB center which is nearby SCB location.

This is good for you, at least you got one more "massage palace" to go..
I think OCBC is using leng lui & leng chai strategy to attract customers..

Hong Leong Bank - Business Deposits - Boost your returns up to 5.20% p.a.

“Biz Flexi FD Step-Up 180-days” Campaign
2 March 2015 - 31 May 2015

He he, have to contain the inner desire. Else get into unnecessary problem.

Leng lui wise, they seems to have the most. Should have joined their PB earlier. I heard in Penang OCBC is now aggresively pushing for PB. They rennovated a BIG & NEW PB center with impressive furnishing.

However for the Ang Pow Contest, the leng lui RM seems NOT aware of it. I have to tell her to check their website. The same happens to SCB leng lui, also not aware of some of their promotions. Seems to be internal bank communication for local banks also.

Guys I'm at cimb opening FD account 4.15% for 12mth. However the staff recommend me Islamic FD which is 4.2% or even better AManah saham gemilang which pays 6-7% at least.
Now my question is what's the difference between Islamic n conventional FD. And if ASG pays so well why ppl still keep FD?

Ocbc pb centre is the biggest in penang. The car park is located at almost end of road,near the traffic light? It is quite a dstance to walk.

OCBC free parking is in Church Street. But I parked at the free parking one provided by SCB near to MBB branch.

For ASG you have to pay 5% sales charge and the return is like unit trust depending on market. It's advisable to hold at least 3 years to have a chance to recover the 5% sales charge incurred initially.

Risk vs return, diff people have diff appetite for it. Also spread out your portfolio.

for Bumi only?

ASG is for all. I have some as well.

How much dividend you receive on average for ASG?

Ya that's what i heard, FD got no additional charges.

For bumi it's ASB in which they can get up to 10% dividen. No funky charges it seems.

Mind sharing which amanah saham u bought? I have a baby, they mentioned something about getting 9% if i set up under his name. I was in a hurry so i didn't ask much about this.

This is all new to me

With the FD I have in UOB, received the attached from them:



This post has been edited by bbgoat: Mar 3 2015, 03:50 PM


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Just bought them last September, so no dividend yet. Used RHB as they rebate 2.5% fees.

Bought all 3 of the funds: Pendidikan, Kesihatan & Persaraan. As I bought in Sept last year, now barely break even.

But for UT, have to hold for typically few years at least to realize the returns, if any. So high risk and high return (or negative return !!).

UOB plan to move their PB center to a next door bungalow. That will be interesting ! Except they have been talking about it for at least 2 or 3 years !

Currently they have 5 RM's there, same as SCB. OCBC has 10 and plan to increase to 15. Hopefully even more leng lui.

This post has been edited by bbgoat: Mar 3 2015, 04:05 PM

What's that?

Looking at the t&c for CIMB unfixed FD promo, 4.20% for islamic FD but can't find any drawback compared to the conventional FD..is there any?

Wanted to move funds from CIMB by issuing a banker's cheque. The teller asked why and I said FD to UOB. She mentioned about the unfixed FD promo but I said it requires fresh fund. She said she can help to bypass the fresh fund requirement, so I placed under the above i-FD promo. Save RM5.15 banker's cheque and 60 cents parking fee

This post has been edited by Human Nature: Mar 3 2015, 07:19 PM