Kadar Faedah: Institusi Perbankan

2.1 Interest Rates: Banking Institutions

Peratus Setahun / Percent per annum
Bank-bank Perdagangan / Commercial Banks Bank-bank Pelaburan / Investment Banks

Kadar purata bagi Kadar deposit tetap 1

Kadar deposit tetap purata berwajaran Kadar pinjaman Kadar pinjaman Kadar deposit tetap Kadar pinjaman
Kadar deposit Kadar Asas Kadar Pinjaman
tempoh Kadar deposit Kadar Pinjaman purata bagi purata berwajaran purata bagi
tabungan purata Kadar Asas2 purata Asas purata
tabungan Asas pinjaman bagi pinjaman pinjaman
Fixed deposit rates1 Weighted average fixed deposit rates berwajaran berwajaran berwajaran Fixed deposit rates
terkumpul3 terkumpul terkumpul

Tempoh (dalam bulan) / Period (in months) Tempoh (dalam bulan) / Period (in months) Average lending Tempoh (dalam bulan) / Period (in months) Average lending
Weighted
Average rates Savings deposit Weighted Base Lending Weighted rate (ALR) on Weighted ALR on rate (ALR) on
average savings Base Rate2 (BR)
during the period rate average BR Rate (BLR) average BLR outstanding outstanding loans outstanding
1 3 6 9 12 1 3 6 9 12 deposit rate 1 3 6 9 12
loans3 loans
 11 2.89 2.94 2.99 3.02 3.10 0.95 3.64 6.68 4.61 5.23 3.31 3.52 3.72 3.74 3.55 6.47
12 2.87 2.94 2.99 3.02 3.10 0.97 3.64 6.68 4.61 5.22 3.38 3.48 3.45 3.49 3.56 6.46
2018 1 2.95 3.01 3.07 3.09 3.16 0.99 3.76 6.72 4.63 5.27 3.32 3.29 3.64 3.79 3.56 6.20
2 3.10 3.16 3.23 3.25 3.33 1.03 3.89 6.89 4.79 5.41 3.34 3.53 3.50 3.55 3.86 6.31
3 3.08 3.16 3.22 3.25 3.33 1.04 3.89 6.89 4.86 5.43 3.36 3.60 3.50 3.54 3.90 6.33
4 3.08 3.17 3.22 3.25 3.33 1.03 3.89 6.89 4.90 5.43 3.37 3.63 3.54 3.61 3.96 6.51
5 3.08 3.15 3.22 3.25 3.33 1.03 3.89 6.90 4.97 5.43 3.34 3.62 3.80 3.54 3.88 6.48
6 3.08 3.15 3.22 3.25 3.33 1.04 3.89 6.90 5.05 5.43 3.33 3.41 3.78 3.54 3.93 6.59
7 3.08 3.16 3.22 3.26 3.33 1.05 3.90 6.91 5.07 5.44 3.39 3.47 3.61 3.53 3.88 6.54
8 3.08 3.16 3.22 3.26 3.33 1.05 3.90 6.91 4.98 5.44 3.30 3.62 3.83 3.78 3.89 6.59
9 3.07 3.15 3.22 3.27 3.33 1.05 3.90 6.91 4.93 5.41 3.33 3.58 3.83 3.81 3.86 6.58
10 3.08 3.16 3.22 3.27 3.33 1.06 3.90 6.91 4.98 5.42 3.32 3.64 3.69 3.78 3.71 6.54
11 3.09 3.15 3.22 3.27 3.33 1.07 3.90 6.91 4.98 5.42 3.36 3.60 3.80 3.76 3.71 6.59
12 3.09 3.15 3.22 3.27 3.33 1.07 3.91 6.91 5.02 5.43 3.34 3.56 3.83 3.77 3.78 6.56
2019 1 3.09 3.17 3.22 3.27 3.33 1.07 3.92 6.91 5.04 5.44 3.37 3.63 3.77 3.77 3.70 6.22
2 3.08 3.16 3.22 3.27 3.33 1.07 3.92 6.91 5.02 5.43 3.34 3.49 3.82 3.80 3.80 6.55
3 3.08 3.15 3.22 3.27 3.33 1.07 3.92 6.91 5.03 5.43 3.32 3.67 3.75 3.78 3.73 6.56
4 3.08 3.16 3.22 3.27 3.33 1.07 3.93 6.92 5.02 5.43 3.31 3.36 3.72 3.75 3.71 6.49
5 2.83 2.92 2.99 3.03 3.09 0.99 3.68 6.71 4.93 5.26 3.07 3.42 3.61 3.69 3.67 6.45
6 2.85 2.90 2.98 3.03 3.09 0.99 3.68 6.71 4.89 5.23 3.12 3.32 3.50 3.62 3.75 6.45
7 2.83 2.90 2.98 3.02 3.10 1.00 3.68 6.71 4.82 5.20 3.11 3.34 3.49 3.59 3.82 6.39
8 2.82 2.92 2.97 3.01 3.09 0.99 3.68 6.71 4.82 5.19 3.09 3.31 3.53 3.59 3.78 6.56
9 2.86 2.85 2.96 3.01 3.09 0.98 3.68 6.71 4.76 5.18 3.10 3.34 3.46 3.58 3.79 6.55
10 2.86 2.91 2.96 3.01 3.09 0.98 3.68 6.71 4.76 5.17 3.10 3.36 3.45 3.51 3.77 6.56
11 2.82 2.86 2.95 3.01 3.09 0.98 3.68 6.71 4.73 5.16 3.14 3.31 3.49 3.52 3.73 6.56
12 2.86 2.90 2.95 3.01 3.09 0.97 3.68 6.71 4.70 5.16 3.11 3.40 3.49 3.51 3.69 6.51
2020 1 2.61 2.68 2.72 2.79 2.87 0.89 3.43 6.50 4.64 5.02 2.90 3.21 3.18 3.45 3.59 6.49
2 2.56 2.65 2.69 2.76 2.84 0.87 3.43 6.48 4.60 4.98 2.85 2.91 3.36 3.40 3.57 6.44
3 2.33 2.38 2.44 2.52 2.59 0.78 3.18 6.26 4.40 4.77 2.73 2.75 3.26 3.35 3.44 6.36
4 2.33 2.36 2.44 2.52 2.56 0.77 3.18 6.26 4.26 4.66 2.67 2.91 2.81 3.23 3.29 6.28
5 1.80 1.88 1.95 2.03 2.03 0.61 2.68 5.78 4.01 4.34 2.44 2.45 2.49 2.97 3.13 6.16
6 1.82 1.86 1.95 2.03 2.03 0.59 2.68 5.75 3.89 4.25 2.26 2.18 2.59 2.87 3.03 6.10
7 1.53 1.63 1.67 1.70 1.79 0.48 2.43 5.52 3.70 4.07 2.02 2.19 2.18 2.73 2.91 5.92
8 1.54 1.62 1.66 1.70 1.78 0.48 2.43 5.49 3.64 4.04 1.99 2.10 2.16 2.63 3.10 5.90
9 1.52 1.60 1.66 1.70 1.78 0.48 2.43 5.49 3.64 4.03 1.95 2.10 2.23 2.72 2.69 5.85
10 1.51 1.59 1.66 1.70 1.78 0.48 2.43 5.49 3.53 3.98 1.95 2.10 2.02 2.57 2.68 5.90
11 1.54 1.63 1.65 1.69 1.78 0.48 2.42 5.49 3.51 4.00 1.96 2.12 2.03 2.58 2.68 5.76
12 1.51 1.58 1.65 1.67 1.75 0.48 2.43 5.49 3.51 3.99 1.99 2.17 2.29 2.72 2.66 5.86
2021 1 1.51 1.57 1.63 1.70 1.75 0.47 2.42 5.49 3.44 3.96 1.95 2.14 2.28 2.64 2.77 5.75
2 1.49 1.58 1.67 1.70 1.75 0.47 2.42 5.49 3.49 3.97 1.96 1.92 2.06 2.62 2.65 5.77
3 1.49 1.56 1.64 1.70 1.75 0.46 2.43 5.49 3.47 3.93 1.97 2.16 2.06 2.27 2.64 5.77
4 1.48 1.56 1.64 1.70 1.70 0.46 2.42 5.49 3.45 3.94 1.99 2.17 2.08 2.32 2.34 5.86
5 1.48 1.56 1.64 1.70 1.70 0.58 2.42 5.49 3.42 3.91 1.96 2.13 2.20 2.34 2.35 5.73
6 1.47 1.56 1.64 1.67 1.70 0.58 2.43 5.49 3.47 3.89 1.97 1.99 2.23 2.31 2.34 5.80
7 1.48 1.56 1.63 1.66 1.70 0.58 2.43 5.49 3.43 3.88 1.96 2.15 2.20 2.31 2.37 5.72
8 1.47 1.55 1.64 1.66 1.70 0.58 2.43 5.49 3.40 3.86 1.97 2.15 2.27 2.63 2.37 5.69
9 1.47 1.56 1.63 1.66 1.70 0.55 2.43 5.49 3.45 3.87 1.97 2.17 2.06 2.62 2.35 5.67
10 1.48 1.56 1.64 1.67 1.71 0.57 2.43 5.49 3.42 3.86 1.97 2.12 2.25 2.71 2.37 5.64
11 1.48 1.56 1.64 1.67 1.71 0.57 2.43 5.49 3.44 3.87 1.97 2.14 2.25 2.66 2.38 5.60
12 1.48 1.57 1.64 1.67 1.71 0.56 2.43 5.49 3.45 3.87 1.98 2.03 2.31 2.70 2.35 5.64
2022 1 1.48 1.55 1.64 1.67 1.71 0.56 2.43 5.49 3.44 3.88 1.96 2.22 2.06 2.63 2.36 5.61
2 1.48 1.55 1.64 1.71 1.71 0.57 2.43 5.49 3.48 3.89 2.00 2.20 2.25 2.60 2.36 5.64
3 1.47 1.56 1.63 1.71 1.71 0.57 2.43 5.49 3.48 3.87 2.00 2.24 2.25 2.63 2.35 5.66
4 1.47 1.56 1.63 1.71 1.71 0.57 2.43 5.49 3.56 3.89 2.02 2.19 2.32 2.64 2.63 5.74
5 1.68 1.77 1.86 1.95 1.95 0.63 2.68 5.73 3.68 4.02 2.20 2.36 2.39 2.76 2.68 5.79
6 1.68 1.79 1.91 1.95 1.95 0.63 2.68 5.73 3.79 4.07 2.22 2.36 2.43 2.83 2.77 5.82
7 1.91 2.01 2.17 2.22 2.20 1.91 2.10 2.21 2.23 2.26 0.69 0.37 2.96 2.62 5.97 6.00 4.09 4.32 2.40 2.58 2.55 3.07 2.86 5.94
8 1.91 2.02 2.17 2.22 2.20 1.91 2.10 2.22 2.22 2.26 0.70 0.38 2.96 2.62 5.97 6.00 4.24 4.40 2.41 2.62 2.60 3.08 2.88 6.01
9 2.12 2.25 2.41 2.45 2.44 2.10 2.29 2.42 2.41 2.49 0.77 0.40 3.21 2.85 6.20 6.25 4.43 4.57 2.56 2.89 2.82 3.15 3.18 6.02
10 2.11 2.24 2.34 2.39 2.44 2.11 2.29 2.42 2.42 2.49 0.77 0.40 3.21 2.85 6.20 6.25 4.68 4.65 2.59 2.86 2.81 3.29 3.30 6.04
` 1 From August 2000 onwards, the Fixed Deposit Rate series for Commercial Banks and Investment Banks have been revised. Data for x-month fixed deposit rate refers to the
1 Mulai Ogos 2000, kadar deposit tetap bagi Bank-bank Perdagangan dan Bank-bank Pelaburan telah disemak semula. Data bagi kadar deposit tetap x-bulan
merujuk kepada kadar disebut bagi tempoh matang tersebut sahaja. (Data sebelum Ogos 2000 masih menggunakan tempoh matang purata). quoted rate for that particular maturity alone. (Data prior to this date continue to reflect the average maturity).
2 Mulai 1 Ogos 2022, Kadar Asas Standard menggantikan Kadar Asas sebagai kadar rujukan untuk pinjaman kadar terapung runcit baharu. Pinjaman sedia ada 2 Effective 1 August 2022, the Standardised Base Rate replaced the Base Rate (BR) as the reference rate for new retail floating-rate loans. Existing BR- and BLR-based loans
berasaskan Kadar Asas dan Kadar Pinjaman Asas yang digunakan sebelum tarikh kuat kuasa akan terus dirujuk masing-masing terhadap Kadar Asas dan Kadar applied before the effective date will continue to be referenced against the BR and BLR respectively. However, after the effective date, the BR and BLR will move exactly in tandem
Pinjaman Asas. Walau bagaimanapun, selepas tarikh berkuat kuasa, Kadar Asas dan Kadar Pinjaman Asas akan bergerak seiring dengan Kadar Asas Standard with the Standardised Base Rate as any adjustments to the Standardised Base Rate will simultaneously be reflected in the corresponding adjustments to the BR and BLR.
kerana sebarang pelarasan kepada Kadar Asas Standard akan ditunjukkan pada masa yang sama dalam pelarasan yang sepadan dengan Kadar Asas dan Kadar 3 Since March 2012, the following banks were included in the computation of the average lending rate: Industrial and Commercial Bank of China from November 2010 onwards;
Pinjaman Asas. Sumitomo Mitsui Banking Corporation from May 2011 onwards; Mizuho Corporation Bank (M) Berhad and BNP Paribas Malaysia Berhad from December 2011 onwards.
3 Mulai Mac 2012, pengiraan kadar berian pinjaman purata termasuk bank-bank berikut: Industrial and Commercial Bank of China mulai November 2010; Sumitomo
Mitsui Banking Corporation mulai Mei 2011; Mizuho Corp Bank (M) Berhad dan BNP Paribas Malaysia Berhad mulai Disember 2011. Source: Bank Negara Malaysia

Sumber: Bank Negara Malaysia