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Rates

Reference Rates

Base Financing Rate (BFR) :

7.00%

(Effective 16 February 2018) 

Base Rate (BR) :

3.85%
(Effective 16 February 2018)

  • The benchmark Cost of Fund (COF) used to determine the BR is the Bank’s Fixed
    Return Islamic Account-i (FRIA-i) rate for 12 months
  • Historical series of the Bank’s BR
Effective Date Rate
02/01/2015 2.33%
01/04/2015 3.50%
15/10/2015 3.70%
22/07/2016 3.60%
16/02/2018 3.85%

 

  • The Bank’s BR is subject to OPR revision by BNM or the Bank’s pricing strategies.

 

Deposit Rates

FRIA-i

Effective 16 February 2018

Tenure Profit Margin (%)
(Maturity Returns) (Upfront Returns)
1 month 3.25 3.20
3 months 3.35 3.30
6 months 3.50 3.45
9 months 3.55 3.50
12 months 3.85 3.80
15 months 3.55 -
18 months 3.55 -
24 months 3.55 -
36 months 3.55 -
48 months 3.55 -
60 months 3.55 -

 

FRIA-i 45 Plus

Effective from 1 April 2018

Tenure Profit Margin Per Year
Tier 1
Tier 2
Maturity Returns
Upfront Returns
6 months 3.45% 3.40%
12 months 3.85% 3.80%
24 months 3.75% -
36 months 3.75% -

 

Historical Hibah Rate effective 1 July 2016

Agro Perdana-i

Range (RM)
Historical Hibah Rate (% p.a.)
Less than 5,000 0.50
5,000 - 50,000 1.15
> 50,000 and above 1.25

 

AgroTani-i /AgroTani-i (Foreign)/ Simpanan Qard-i

Range (RM)
Historical Hibah Rate (% p.a.)
Less than 5,000 0.50
5,000 - 50,000 1.00
> 50,000 and above 1.50

 

AgroMuda-i

Range (RM)
Historical Hibah Rate (% p.a.)
Less than 3,000 0.75
3,000 - 10,000 1.25
> 10,000 and above 2.00

 

AgroBSA-i

Range (RM) Historical Hibah Rate (% p.a.)
Less than 5,000 0.25
5,000 - 50,000 0.25
> 50,000 and above 0.25

Under the BNM’s guideline on Qard, the Bank applies the followings;

  • The published hibah rates above are merely historical rates and shall not construed as prospective rate.
  • The Bank does not guarantee on the hibah  which are subject to the Bank’s discretion

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