【TUNEPRO 5230 专区】（前名 TUNEINS）

icy97

TUNE保障
今明年财测下调

2018年2月15日

分析 :大华继显研究
目标价:1.20令吉

最新进展:

TUNE保障（TUNEPRO，5230，主板金融股）拟定了两大策略，以减少对亚洲航空（AIRASIA，5099，主板贸服股）的依赖。

首先，与其他廉价航空和线上旅游保险平台合作，最新结成的合作伙伴有柬埔寨吴哥航空公司及Tourders。

另外，增加产品种类；目前TUNE保障在线上平台售卖的保险主要有6种（分别是汽车、旅游、牙科和攫夺保障等）以及Ride Easy（汽车乘客保障）。

行家建议:

槟城近期发生有史以来最严重的水灾，为TUNE保障的赔偿成本带来更多上行风险。

考量到赔偿率加上管理开销可能走高，我们下修该股财测；今明财年净利预测分别下调9.2%和8.1%，2019则下修7.5%。

虽然稍砍财测，但因去年基数低，本财年净利预计仍可录得26.9%的高增长。

纵使去年末季净利可能不济，但我们认为这不会严重影响股价，因市场关注的是TUNE保障的复苏轨迹。

该股目前4.1%的周息率还是非常具吸引力。



【e南洋】

icy97

SUMMARY OF KEY FINANCIAL INFORMATION 31 Dec 2017

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31 Dec 2017	31 Dec 2016	31 Dec 2017	31 Dec 2016
		$$'000	$$'000	$$'000	$$'000

1	Revenue	138,522	135,466	542,598	516,621
2	Profit/(loss) before tax	8,861	16,812	52,898	94,683
3	Profit/(loss) for the period	9,252	17,326	50,018	86,585
4	Profit/(loss) attributable to ordinary equity holders of the parent	8,351	16,544	46,027	79,976
5	Basic earnings/(loss) per share (Subunit)	1.11	2.20	6.12	10.64
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	5.20	5.00
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	0.6700		0.6600

icy97

TUNE PROTECT GROUP BERHAD

EX-date	30 May 2018
Entitlement date	01 Jun 2018
Entitlement time	04:00 PM
Entitlement subject	Final Dividend
Entitlement description	Final Single Tier Dividend of 3.00 sen per ordinary share under the single-tier system which is tax exempt in the hands of the shareholders pursuant to paragraph 12B of Schedule 6 of the Income Tax Act, 1967 for the financial year ended 31 December 2017 payable in cash
Period of interest payment	to
Financial Year End	31 Dec 2017
Share transfer book & register of members will be	to   closed from (both dates inclusive) for the purpose of determining the entitlement
Registrar or Service Provider name, address, telephone no	SYMPHONY SHARE REGISTRARS SDN BHDLevel 6, Symphony HousePusat Dagangan Dana 1Jalan PJU 1A/4647301Petaling JayaSelangor Darul EhsanTel:0378490777Fax:0378418151
Payment date	25 Jun 2018
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	01 Jun 2018
b.Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit
c. Securities bought on the Exchange on a cum entitlement basis according to the Rules of the Exchange.
Number of new shares/securities issued (units) (If applicable)
Entitlement indicator	Currency
Currency	Malaysian Ringgit (MYR)
Entitlement in Currency	0.03

icy97

SUMMARY OF KEY FINANCIAL INFORMATION 31 Mar 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31 Mar 2018	31 Mar 2017	31 Mar 2018	31 Mar 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	142,957	130,081	142,957	130,081
2	Profit/(loss) before tax	20,245	15,064	20,245	15,064
3	Profit/(loss) for the period	18,248	13,390	18,248	13,390
4	Profit/(loss) attributable to ordinary equity holders of the parent	16,572	11,939	16,572	11,939
5	Basic earnings/(loss) per share (Subunit)	2.20	1.59	2.20	1.59
6	Proposed/Declared dividend per share (Subunit)	3.00	5.20	3.00	5.20
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	0.6900		0.6700

icy97

Type	Announcement
Subject	TRANSACTIONS (CHAPTER 10 OF LISTING REQUIREMENTS) NON RELATED PARTY TRANSACTIONS
Description	TUNE PROTECT GROUP BERHAD ("TUNE PROTECT" OR "THE GROUP")PROPOSED SUBSCRIPTION  OF 9.99% EQUITY INTEREST IN LAKA LTD FOR A CASH CONSIDERATION OF RM2.64 MILLION
On behalf of the Board of Directors ("Board") of Tune Protect Group Berhad ("Tune Protect" or "the Group"), the Board wishes to announce that its wholly-owned subsidiary, Tune Direct Ltd ("TDL") has, on 7 June  2018, entered into a new Subscription and Shareholders Agreement ("SSA" ) to subscribe for 9.99% equity interest in Laka Ltd for a cash consideration of an aggregate subscription price of British Pound ("GBP") 499,478.07 (approximately RM2.64million) (“Proposed Subscription”). Kindly refer to the attachment for the details of the Proposed Subscription. This announcement is dated 7 June 2018.

http://www.bursamalaysia.com/market/listed-companies/company-announcements/5819229

Attachments TPG - Attachment - Proposed Subscription (070620180.PDF

icy97

TUNE祭双策　有信心保费双位数成长

財经 最后更新 2018年06月1日 21时40分
（吉隆坡1日讯）儘管首季总保费（GWP）仅按年成长5.2%，但TUNE保险（TUNEPRO，5230，主板金融股）依然有信心在2018財政年能够取得双位数的总保费成长。

该公司曾在去年5月透露，希望在2018財政年取得10至15%的总保费成长。

TUNE保险首席执行员拉兹曼在今日的股东大会后，向记者表示，该公司將通过2大策略来实现旅游保险的保费收入成长，包括动態定价（dynamic pricing）和捆绑式销售（product bundling），並期待其伊斯兰再保业务能够有良好的表现。

动態定价，即通过测试和计算，將合適的保险配套推送给潜在客户。该公司打算聘请第3方供应商，以优化该策略。有关合作將在今年下半年开始。


该公司今年5月开始与科威特廉价航空公司Wataniya Airways合作，预计產品將可在今年次季推出。目前，该公司已与5家航空公司达成合作关係，包括佔其旅游保险总保费87%的亚洲航空（AIRASIA，5099，主板贸服股）。

虽然旅游保险贡献该公司总保费的约20%，但却佔净利的60%。拉兹曼表示，旅游保险的赚幅较高，因为索赔率非常低。汽车保险占总保费的30%至40%，剩下的来自非汽车保险的普通保险，例如火险、海运保险等。

在普通保险方面，该公司打算寻求与有眾多客户的机构合作，以期待一次过获得大量的客户基础。该公司今年起与外劳医药检验及监控有限公司（FOMEMA）开始合作。FOMEMA目前为约100万名外籍劳工提供服务。

TUNE保险日前公布的2018財政年首季（截至3月31日止）净利按年大增39%，至1657万令吉；营业额则按年增加9.9%，至1亿4296万令吉。电子旅游保险首季的总保费收入达2910万令吉，而普通保险总保费收入则按年提高4.2%，至1亿5510万令吉。

2500万加强数码化

展望未来，拉兹曼表示，该公司打算在2018年至2020年期间斥资2500万令吉来强化其数码能力，包括收购一家位于英国的P2P保险科技公司。

他不愿透露更多详情，仅表示，该交易最快于本月完成。他称，收购价不高，该公司打算使用內部资金来支付有关收购。

TUNE保险企业发展和策略负责人屈秋玲透露，该保险科技公司是以拥有共同兴趣的网络社群的方式运营。

「希望获得保障的用户需缴交一次性的会员费以加入社团，当任何会员需要索赔时，由其他会员负担其赔偿费，该公司则只收取服务费。」

她续称，「我们希望將这个新颖的保险方式引进大马，相信將会为保险行业带来改变。通过这种方式，用户无需定期缴交保费，而是基于需要来付费。需要支付的费用有一定的顶限，通常费用低于一般保险费。」

另一方面，拉兹曼也表示，虽然该公司之前在印尼的交易告吹了，但印尼是一个大市场，该公司仍然积极在印尼寻求收购机会。【东方网财经】

icy97

icy97

icy97 发表于 13-6-2018 04:34 AM
http://www.bursamalaysia.com/market/listed-companies/company-announcements/5819229

Type	Announcement
Subject	TRANSACTIONS (CHAPTER 10 OF LISTING REQUIREMENTS) NON RELATED PARTY TRANSACTIONS
Description	COMPLETION OF TUNE PROTECT GROUP BERHAD'S ("TUNE PROTECT") PROPOSED SUBSCRIPTION OF 9.99% EQUITY INTEREST IN LAKA LTD FOR A CASH CONSIDERATION OF GBP499,478.07 (RM2.67 MILLION) ("PROPOSED SUBSCRIPTION")
Further to the announcement made on 7 June 2018, the Board of Directors of Tune Protect is pleased to announce that its wholly-owned subsidiary, Tune Direct Ltd (“TDL”) had on 19 June 2018, successfully completed the Proposed Subscription and that TDL has been entered in the register of members of Laka Ltd on 19 June 2018. This announcement is dated 19 June 2018.

icy97

SUMMARY OF KEY FINANCIAL INFORMATION 30 Jun 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		30 Jun 2018	30 Jun 2017	30 Jun 2018	30 Jun 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	141,260	133,878	284,217	263,959
2	Profit/(loss) before tax	13,550	13,103	33,795	28,167
3	Profit/(loss) for the period	13,406	13,445	31,654	26,835
4	Profit/(loss) attributable to ordinary equity holders of the parent	12,812	13,003	29,384	24,942
5	Basic earnings/(loss) per share (Subunit)	1.70	1.73	3.91	3.32
6	Proposed/Declared dividend per share (Subunit)	3.00	5.20	3.00	5.20
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	0.6700		0.6400

icy97

icy97

Tony-Pua

tune保障第三季少赚28%
http://www.enanyang.my/news/20181116/tune保障第三季少赚28/

5230                 TUNEPRO                 TUNE PROTECT GROUP BERHAD

Quarterly rpt on consolidated results for the financial period ended 30/09/2018

Quarter: 3rd Quarter Financial Year End: 31/12/2018 Report Status: Unaudited Submitted By: Current Year Quarter Preceding Year Corresponding Quarter Current Year to Date Preceding Year Corresponding Period 30/09/2018 30/09/2017 30/09/2018 30/09/2017 RM '000 RM '000 RM '000 RM '000 1 Revenue 141,487 140,117 425,704 404,076 2 Profit/Loss Before Tax 11,688 15,870 45,483 44,037 3 Profit/(loss) attributable to ordinary equity holders of the parent 9,134 12,734 38,518 37,676 4 Net Profit/Loss For The Period 10,060 13,931 41,714 40,766 5 Basic Earnings/Loss Per Shares (sen) 1.22 1.69 5.12 5.01 6 Dividend Per Share (sen) 0.00 0.00 3.00 5.20 As At End of Current Quarter As At Preceding Financial Year End 7 Net Assets Per Share (RM) 0.6900 0.6700

icy97

Type	Announcement
Subject	OTHERS
Description	TUNE PROTECT GROUP BERHAD ANNOUNCES VOLUNTARY SEPARATION SCHEME OF ITS SUBSIDIARY COMPANY
Tune Protect Group Berhad wishes to announce that its subsidiary, Tune Insurance Malaysia Berhad (“TIMB”), has completed a Voluntary Separation Scheme (“VSS”) exercise. The scheme was implemented and made available to the eligible permanent employees within TIMB. The VSS was voluntary in nature where it provided options for eligible employees to decide to leave or continue working for TIMB. The VSS was implemented as part of TIMB’s business transformation and restructuring plans for the immediate term in line with the Group’s digitalisation journey. Through the VSS, TIMB intends to maximise its manpower utilisation and increase its operational efficiency and productivity. Various efforts had been undertaken to address employee concerns including multiple briefing sessions that were conducted nationwide and a dedicated helpdesk. Arrangements have also been made to assist employees with career transitioning and alternative support. In implementing the VSS, measures have been taken to ensure that there will be no disruptions to TIMB’s operations, whilst the relevant laws, regulations and industry’s best practices have also been taken into consideration. A total of 58 applications were approved, representing 15% of TIMB’s permanent workforce. Employees whose applications were accepted will be released from December 2018 to February 2019 in order to ensure a smooth transition process. The payout for the VSS is assessed to be approximately RM4 million. This announcement is dated 7 December 2018.

icy97

TUNE PROTECT GROUP BERHAD

Date of change	01 Jan 2019
Name	MISS CHEN OOI WAI
Age	48
Gender	Female
Nationality	Malaysia
Type of change	Others
Designation	Others
Description	Appointment of Acting Group Chief Executive Officer

Qualifications

No Qualifications Major/Field of Study Institute/University Additional Information 1 Professional Qualification Chartered Accountant Malaysian Institute of Accountants (MIA) Member (since 1996) 2 Professional Qualification Certified Public Accountant Malaysian Institute of Ceritifed Public Accountants (MICPA) Member (since 1996) 3 Degree BBA in Accounting The University of Iowa, USA
Working experience and occupation	1. TUNE PROTECT GROUP BERHADChief Financial Officer (September 2016 to Current)2. AXA-AFFIN GENERAL INSURANCE BERHAD Senior Vice President: Finance Reporting & Investment (April 2011 till July 2016) 3. TOKIO MARINE LIFE INSURANCE MALAYSIA BERHAD Assistant General Manager, Finance (2009 till 2010) 4. THE PACIFIC INSURANCE BERHAD Senior Manager - Financial Services Department (2004 till 2008)Senior Manager - Planning, Development & Compliance Department (2002 till 2003) 5. KONSORTIUM INSURANS BERHADVice President II Finance & Administration Department (June 1996 till 2001) 6. ARTHUR ANDERSEN & CO.Experienced Senior Audit Department (April 1992 till May 1996)

icy97

tune保障ceo退休
http://www.enanyang.my/news/20181221/tune保障ceo退休/

Date of change	31 Dec 2018
Name	ENCIK RAZMAN HAFIDZ BIN ABU ZARIM
Age	63
Gender	Male
Nationality	Malaysia
Type of change	Cessation Of Office
Designation	Group Chief Executive Officer
Reason	Encik Razman Hafidz bin Abu Zarim is not seeking re-appointment as the Group Chief Executive Officer ("CEO") of Tune Protect Group Berhad ("the Company" or "TPGB") upon expiry of his regulatory tenure on 14 July 2019. He will officially retire from his position as Group CEO of TPGB on 31 December 2018, thereafter he will assume an Advisory role to the Board of Directors of the Company until 14 July 2019.

icy97

tune保障-推vss年省360万令吉
http://www.enanyang.my/news/20181210/tune保障-推vss年省360万令吉/

icy97

Date of change	14 Jan 2019
Name	MISS KHOO AI LIN
Age	50
Gender	Female
Nationality	Malaysia
Type of change	Appointment
Designation	Group Chief Executive Officer

Qualifications

No Qualifications Major/Field of Study Institute/University Additional Information 1 Degree Bachelor's Degree in Economics majoring in Banking and Finance La Trobe University, Melbourne, Australia 2 Others Higher School Certificate Taylor's College, Melbourne, Australia
Working experience and occupation	1.TUNE INSURANCE MALAYSIA BERHADChief Executive Officer (August 2017 to Current)2. PRUDENTIAL ASSURANCE MALAYSIA BERHADChief Marketing Officer (August 2016 to July 2017)Chief Officer - Partnership, Distribution & General Insurance (February 2010 to July 2016)3. HONG LEONG ASSURANCE BERHADGeneral Manager, Bancassurance, Affinity Business and Alternative Channels Division (2006 to January 2010)4. AMERICAN HOME ASSURANCE COMPANYVice President, Affinity Business Division (2005 to 2006)Vice President, Operations Division (2003 to 2005)Vice President, Project Director - "Malaysia Business Model" (2002 to 2005)Vice President, Accident & Health Division (2002 to 2003)5. AIG MARKETING CORPORATIONAssistant Vice President, Business Development Division (2001 to 2002)6. AMERICAN HOME ASSURANCE COMPANYAssistant Vice President, Bancassurance (2000 to 2001)7. EON CMG LIFE ASSURANCE BERHADManager  Marketing (1996 to 2000)

icy97

SUMMARY OF KEY FINANCIAL INFORMATION 31 Dec 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31 Dec 2018	31 Dec 2017	31 Dec 2018	31 Dec 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	140,419	138,522	566,122	542,598
2	Profit/(loss) before tax	9,588	8,861	55,070	52,904
3	Profit/(loss) for the period	11,205	9,252	52,918	50,023
4	Profit/(loss) attributable to ordinary equity holders of the parent	10,796	8,351	49,313	46,303
5	Basic earnings/(loss) per share (Subunit)	1.44	1.11	6.56	6.16
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	3.00	5.20
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	0.7000		0.6700

icy97

Date of change	18 Apr 2019
Name	MR NG SOON LAI @ NG SIEK CHUAN
Age	65
Gender	Male
Nationality	Malaysia
Type of change	Redesignation
Previous Position	Chairman
New Position	Chairman
Directorate	Independent and Non Executive

Qualifications

No

Qualifications

Major/Field of Study

Institute/University

Additional Information

Working experience and occupation
Family relationship with any director and/or major shareholder of the listed issuer	NIL
Any conflict of interests that he/she has with the listed issuer	NIL
Details of any interest in the securities of the listed issuer or its subsidiaries	Direct Interest: 100,000 ordinary shares

icy97

TUNE PROTECT GROUP BERHAD

EX-date	24 May 2019
Entitlement date	28 May 2019
Entitlement time	04:00 PM
Entitlement subject	Final Dividend
Entitlement description	Final Single-Tier Dividend of 3.00 sen per ordinary share for the financial year ended 31 December 2018.
Period of interest payment	to
Financial Year End	31 Dec 2018
Share transfer book & register of members will be	to   closed from (both dates inclusive) for the purpose of determining the entitlement
Registrar or Service Provider name, address, telephone no	BOARDROOM SHARE REGISTRARS SDN BHDLevel 6, Symphony HousePusat Dagangan Dana 1Jalan PJU 1A/4647301Petaling JayaTel:03-7849 0777Fax:03-7841 8151/ 52
Payment date	19 Jun 2019
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	28 May 2019
b.Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit
c. Securities bought on the Exchange on a cum entitlement basis according to the Rules of the Exchange.
Number of new shares/securities issued (units) (If applicable)
Entitlement indicator	Currency
Currency	Malaysian Ringgit (MYR)
Entitlement in Currency	0.03