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03.11.2012, 22:56 - ferreari3m - Rank 4 - 125 Posts
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06.11.2012, 19:26 - cartier6h - Rank 5 - 204 Posts
Shares that you can bank on
A Your Money analysis of the big four has added weight to the old investment saying that it's better to buy the bank rather than deposit your money in one, with share price growth of 13-27 per cent and increasingly high dividend payouts making the sector a standout performer.
The shares' returns smash the 4-5 per cent interest income being paid by term deposits and online savings accounts, and any investor who was brave enough to borrow $10,000 a year ago to put into bank shares has an investment today worth up to $12,800 after deducting their interest costs.
Morningstar's head of Australian banking research, David Ellis, says his firm is positive about the sector as an increasing number of investors - particularly those offshore who had expected a house price collapse - realise our banks are stronger than they thought.
"Their earnings are growing, not strongly but moderately, credit growth is moderate and there's been a lot of effort by the banks to reduce costs," Ellis says.
Bank dividends, currently paying a 6-7 per cent yield, are sustainable and have potential upside for growth in the next few years, he says, but "there's obviously risks, of course".
Baker Young Stockbrokers managed portfolio analyst Toby Grimm says his firm has positive recommendations on all the big four banks.
"Income has become the flavour of the year, and sustainable income too - they are not paying out more than they're earning," he says.
"We still like the banks, but a little less than we did because their rally has downgraded the dividend yield a bit.
"They are very good businesses. The Australian banking sector has a larger market capitalisation than the European Union's combined financial sector market cap."
Last week the Commonwealth Bank announced a $7.1 billion annual net profit and lifted its final dividend 5 per cent to $1.97 per share.
Yet not everybody is keen on bank shares.
David Prescott, director of fund manager Lanyon Asset Management, says his fund owns no bank stocks.
"The ability of banks to deliver earnings and dividend growth is significantly reduced, given the effects of slowing credit growth, increased costs of funding and increased competition," he says.