Reference Rates
Standardised Base Rate (SBR):
2.75%
(Effective 14 July 2025)
Base Financing Rate (BFR) :
6.50%
(Effective 14 July 2025)
Base Rate (BR) :
3.35%
(Effective 14 July 2025)
- 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% |
| 16/05/2019 | 3.60% |
| 03/02/2020 | 3.35% |
| 12/03/2020 | 3.10% |
| 13/05/2020 | 2.60% |
| 10/07/2020 | 2.35% |
| 17/05/2022 | 2.60% |
| 12/07/2022 | 2.85% |
| 13/09/2022 | 3.10% |
| 08/11/2022 | 3.35% |
| 09/05/2023 | 3.60% |
| 14/07/2025 | 3.35% |
- The Bank’s BR is subject to OPR revision by BNM or the Bank’s pricing strategies.
Deposit Rates
FRIA-i
Effective 14 July 2025
| Tenure | Profit Margin (%) | |
| Maturity Returns | Upfront Returns | |
| 1 month | 2.50 | 2.02 |
| 2 months | 2.55 | 2.06 |
| 3 months | 2.80 | 2.11 |
| 4 months | 2.90 | 2.18 |
| 5 months | 2.95 | 2.21 |
| 6 months | 3.05 | 2.24 |
| 7 months | 3.10 | 2.25 |
| 8 months | 3.10 | 2.27 |
| 9 months | 3.15 | 2.28 |
| 10 months | 3.15 | 2.25 |
| 11 months | 3.15 | 2.27 |
| 12 months | 3.20 | 2.29 |
| 15 months | 3.25 | - |
| 18 months | 3.30 | - |
| 24 months | 3.30 | - |
| 36 months | 3.30 | - |
| 48 months | 3.30 | - |
| 60 months | 3.30 | - |
FRIA-i 45 Plus
Effective from 14 July 2025
| Tenure | Profit Margin (%) |
|
| Tier 1 |
Tier 2 | |
| Maturity Returns |
Upfront Returns | |
| 6 months | 2.53 | 2.23 |
| 12 months | 2.60 | 2.30 |
| 24 months | 2.65 | - |
| 36 months | 2.67 | - |
Historical Hibah Rate effective 23 June 2022
Agro Perdana-i
| Range (RM) |
Hibah Rate (% p.a.) |
| Less than 5,000 | 0.15 |
| 5,000 - 50,000 | 0.30 |
| > 50,000 and above | 0.45 |
Agro Perdana-i Plus
| Range (RM) |
Profit Rate (% p.a.) |
| Less than 5,000 | 0.15 |
| 5,000 - 50,000 | 0.30 |
| > 50,000 and above | 0.45 |
AgroTani-i /AgroTani-i (Foreign)/ Simpanan Qard-i
| Range (RM) |
Hibah Rate (% p.a.) |
| Less than 5,000 | 0.17 |
| 5,000 - 50,000 | 0.24 |
| > 50,000 and above | 0.50 |
AgroTani-i Plus
| Range (RM) |
Profit Rate (% p.a.) |
| Less than 5,000 | 0.17 |
| 5,000 - 50,000 | 0.24 |
| > 50,000 and above | 0.50 |
Agro Farah-i
| Range (RM) |
Profit Rate (% p.a.) |
| Less than 5,000 | 0.17 |
| 5,000 - 50,000 | 0.24 |
| > 50,000 and above | 0.50 |
AgroMuda-i
| Range (RM) |
Hibah Rate (% p.a.) |
| Less than 3,000 | 0.40 |
| 3,000 - 10,000 | 1.00 |
| > 10,000 and above | 1.10 |
AgroMuda-i Plus
| Range (RM) |
Profit Rate (% p.a.) |
| Less than 5,000 | 0.40 |
| 5,000 - 50,000 | 1.00 |
| > 50,000 and above | 1.10 |
AgroBSA-i
| Range (RM) | 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
