Reference Rates
Standardised Base Rate (SBR):
3.00%
(Effective 09 May 2023)
Base Financing Rate (BFR) :
6.75%
(Effective 09 May 2023)
Base Rate (BR) :
3.60%
(Effective 09 May 2023)
- 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% |
- The Bank’s BR is subject to OPR revision by BNM or the Bank’s pricing strategies.
Deposit Rates
FRIA-i
Effective 09 May 2023
Tenure | Profit Margin (%) | |
Maturity Returns | Upfront Returns | |
1 month | 2.75 | 2.27 |
2 months | 2.80 | 2.31 |
3 months | 3.05 | 2.36 |
4 months | 3.15 | 2.43 |
5 months | 3.20 | 2.46 |
6 months | 3.30 | 2.49 |
7 months | 3.35 | 2.50 |
8 months | 3.35 | 2.52 |
9 months | 3.40 | 2.53 |
10 months | 3.40 | 2.50 |
11 months | 3.40 | 2.52 |
12 months | 3.45 | 2.54 |
15 months | 3.50 | - |
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 09 May 2023
Tenure | Profit Margin (%) |
|
Tier 1 |
Tier 2 | |
Maturity Returns |
Upfront Returns | |
6 months | 2.78 | 2.48 |
12 months | 2.85 | 2.55 |
24 months | 2.90 | - |
36 months | 2.92 | - |
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