KWSP merupakan duit pekerja seratus peratus - dan KWSP kini merupakan pemegang saham majoriti (lebih 64% saham) MBSB(Malaysian Building Society Berhad)di mana pekerja ada satu institusi kewangan yang dapat membuat pinjaman perumahan dan sebagainya - justeru pekerja ada hak dan upaya juga untuk memastikan faedah pinjaman rendah dan wajar khususnya untuk pekerja penyumbang KWSP(khususnya pekerja swasta)dan juga mungkin untuk pekerja lain.
EPF has a 64.73% stake in MBSB, and this means they control the decision making in MBSB - EPF beneficiaries, being private sector employees, must be most concerned about losing MBSB - housing and personal loans provider
Mungkin pekerja juga boleh memastikan bahawa MBSB akan memberikan kelonggaran kepada pekerja yang hilang pekerjaan - mungkin penangguhan bayaran bulan hutang rumah, dsb..mungkin juga pengaturan semula skim pembayaran balik - kurangkan bayaran pinjaman bulanan...
Kenapa boleh? Kerana semua wang KWSP adalah milik pekerja - bukan milik majikan atau kerajaan. Kini mereka yang mentadbir KWSP hanya diamanahkan buat terbaik demi pekerja ... Pekerja ada banyak kuasa dalam KWSP - tapi malangnya pergerakan pekerja, MTUC, kesatuan sekerja dan pekerja tidak mengunakan kuasa sedia ada ini...
Pekerja kena bantah 'merger' ini kerana pekerja atau KWSP akan kehilangan kuasa yang mereka ada kini di dalam MBSB - selepas merger yang dicadangkan, KWSP tidak lagi akan jadi pemegang saham lebih 50% saperti mana berlaku kini dengan KWSP.
Ini duit pekerja (14 juta pekerja dan bekas pekerja?) - apa akan pekerja lakukan? KWSP akan kehilangan pengaruh...
EPF’s CEO Datuk Shahril Ridza Ridzuan said on Monday: "All we ask is that the parties involved be aware that the EPF represents the interest of 14 million people and our right to vote is critical to protect their interests.” - Star, September 8, 2014, EPF’s right to vote in RHB Cap, CIMB, MBSB merger critical
Union raises stink over Malaysian banks merger, says workers not consulted
National Union of Bank Employees (NUBE) secretary-general J. Solomon said the Ministry of Finance (MoF) appeared to be making all the decisions unilaterally in the proposed mega-merger of RHB Capital, CIMB Group Holdings Berhad and Malaysian Building Society Berhad (MBSB).
"It is very disappointing that MoF has not taken the initiative to consult the stakeholders, including NUBE, to ask for views or opinions regarding the merger," Solomon told The Malaysian Insider.
The proposed mega-merger has made headlines in business news pages as it could make the merged entity as the largest lender in Malaysia, surpassing Maybank Berhad. CIMB Group is the second-largest bank in Malaysia at present. Solomon said the workers of financial institutions were not trying to tell the management how to run the business, but their views should be taken into account.
He reminded Putrajaya that it had been part of a tripartite meeting with banks and workers in the early 2000s, where “all parties agreed that there would be consultations with the workers before any proposed merger of financial entities was approved".
Solomon also said the involvement of the Employees Provident Fund (EPF) in the merger raised questions and speculation.
"There is no transparency in how the workers' funds are being spent and this can lead to a lot of unnecessary speculation, which can affect morale."
He was referring to the controversy over the EPF's voting rights in the three-way merger following the leak of an unsigned letter on September 4, purportedly from unhappy board members of RHB.
The letter carried strong objections to permitting EPF to vote on the resolution to approve the proposed merger.
The letter also said that EPF, as the major shareholder and related party of RHB Capital, should abstain from voting on the merger, as the transaction involved the interest of EPF due to its large shareholding in CIMB.
"NUBE is concerned not only in the context that workers' representatives have not been consulted over the merger, but also how their funds are being invested," Solomon said.
He also expressed concern for customers as banks appeared to be charging fees for services which had previously been given free.
"Bank employees are also bank customers and they face being charged additional fees, like ordinary customers."
Solomon warned that Bank Negara had to regulate the banks and financial institutions to ensure that they were customer-friendly.
"Otherwise, we are looking at a possible scenario where banks will eventually only serve the rich and influential," he said.
"The poor will either stare at the banks whose services are beyond their reach, or else the poor men's money may be used to finance the rich."
Solomon said in the 1990s, there were financial institutions and banks operating in Malaysia, but the 1997 Asian financial crisis brought change.
"Putrajaya gave the excuse that banks needed to merge in order to be stronger, which would also benefit the rakyat," Solomon said.
"However, with the merger came the introduction of additional fees and charges," he said.
For instance, if a customer makes more than four withdrawals from the ATM in a month, charges are levied on subsequent withdrawals in that month.
"Banks have also introduced charges for over-the-counter cash transactions which do not exceed RM10,000," Solomon added.
"What is the point of the banks becoming globally strong while the masses in the country are suffering?" he asked. – September 20, 2014.
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