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 Table of Contents

1.0 Development Financial Institutions (DFIs) in Malaysia

1.1 Background of The DFIs

2.0 Explanation of the Role of each of the DFIs

3.0 Explanation of the Products and Services offered by each of the DFIs

4.0 Analysis of the Assets and Lialilities of each of the DFIs

5.0 Comparison between the DFIs

Summary
1.0 Development Financial Institutions (DFIs) in Malaysia
Development Financial Institutions (DFIs) in Malaysia are monetary organizations set up
by the Government with explicit order to create and advance key areas that are considered
of key significance to the general financial improvement destinations of the nation. These
key areas incorporate agribusiness, little and medium undertakings (SMEs), foundation,
sea, trade situated part just as capital-escalated and high-innovation enterprises.

 1.1 Background of Bank Rakyat

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat) is an Islamic helpful bank
which was built up on 28 September 1954 under the Cooperative Ordinance of 1948
(Cooperative Societies Act 1993), after the development of the agreeable development in
Peninsular Malaysia.The bank is an element heavily influenced by the Ministry of
Domestic Trade, Cooperatives and Consumerism since 2004; in 1989 it was constrained
by the Ministry of Land and Co-usable Development and the Ministry of Finance and in
2002 changed control to the Central Bank of Malaysia under the Development of
Financial Institution Act.

Bank Rakyat is represented by its local laws and Bank Kerjasama Rakyat (M) Berhad Act
1978, which permits Bank Rakyat to give financing to non-individuals.

The bank was established because of a merger with 11 association banks. The bank's first
name was Bank Agong (Apex Bank) with the complete name Bank Agong Kampong
Bekerjasama-Sama Persekutuan Tanah Melayu Dengan Tanggongan Berhad and enrolled
under the Cooperative Ordinance 1948. It was first situated in Bukit Mertajam, Penang
before being moved to Kuala Lumpur in 1964. Subsequent to being renamed Bank
Kerjasama Malaysia Berhad (Bank Kerjasama) in 1967, the bank stretches out its
participation to people too.

Resulting changes to its overseeing laws have prompted the production of auxiliaries and
the extension of its branch organize. Bank Rakyat changed to its present name on 6
January 1973. Further expanding its extent of exercises, it at that point stretched out its
money related administrations to non-individuals.
The survey of the Cooperative Act in 1993 empowered Bank Rakyat to open its branches in
Sabah and Sarawak in 1994. On 8 May 1993, Bank Rakyat became Syariah consistent at four
of its branches and in this manner turned into an undeniable Islamic agreeable bank by the
start of 2003, when it effectively changed over its 1.1% traditional resources equalization to
follow Syariah rules. Bank Rakyat additionally works Islamic second-hand store outlets
named Ar-Rahnu X'change

 Background of Bank Pembangunan Malaysia Berhad (BPMB)

Bank Pembangunan Malaysia Berhad (BPMB) was joined on 28 November 1973 and started
procedure on 8 June 1974. BPMB handled its first critical job in the advancement of the
Malaysian economy by helping business visionaries associated with little and medium-sized
enterprises through the arrangement of different financing offices, preparing and warning
administrations, especially to the Bumiputera business visionaries.

BPMB accomplished another achievement in December 1998 by giving financing to

framework ventures, especially Government-sponsored ventures. In mid-2002, BPMB further
improved its job as an advancement fund organization by offering corporate warning and
guaranteeing administrations to organizations that were engaged with the advancement of
framework ventures.

Today, BPMB is commanded to give medium to long haul financing to the framework,
oceanic, innovation and oil and gas segments. Through its entirely claimed auxiliary
Pembangunan Leasing Corporation Sdn. Bhd (PLC), BPMB additionally gives financing to
little and medium-sized organizations incorporating those associated with assembling,
development, flexibly, transportation, farming, cordiality and data innovation. BPMB's
investment arm, Global Maritime Ventures Berhad (GMV) is the nation's vital value funding
supplier in the sea business ordered to assume a key job in the improvement of the national
sea business segment.

With a consolidated resource estimation of about RM30 billion, the BPMB bunch is all
around situated to meet the financing and business improvement needs of Malaysian
organizations in the need divisions.
 Background of Bank Pertanian Malaysia Berhad (Agrobank)

Built up in 1969, Agrobank is effectively engaged with outlining the development and
advancement of Malaysia's farming industry by offering shariah agreeable items and
arrangements across different client sections including corporate, business, purchaser,
exchange money and miniaturized scale financing clients. Agrobank is an undeniable
Islamic bank since first July 2015.

As a market driven, client driven DFI (Development Financial Institution) with an

essential spotlight on reinforcing the farming part in Malaysia, Agrobank finds some kind
of harmony to its formative and business jobs to profit the agribusiness division.
Agrobank gives an exhaustive collection of financing answers for the agribusiness
network; that incorporates upstream exercises identified with essential food and wares
based farming exercises to downstream exercises, for example, handling, showcasing and
dissemination of rural items. Agrobank additionally offers retail banking financing
answers for improve the prosperity of the agribusiness network. This is done through its
system of 192 client contact focuses including 138 branches, 1 agro banking, 1 virtual
banking, 10 business financing focus, 34 stand, 8 agro corners and agro point.

In 2019, Agrobank praises its brilliant celebration Anniversary, as it marks 50 years of its
pleased foundation building up the agro business.

 Background of Small Medium Enterprise Development Bank Malaysia Berhad

(SME Bank)

SME Bank was built up in 2005 is presently one of the country's driving Development
Financial Institution (DFI) entirely claimed by the Ministry of Finance and directed by
Bank Negara Malaysia (BNM). SME Bank is completely dedicated in driving the
country's monetary development by giving financing help, yet in addition advancement
ability to little and medium scale ventures, permitting those organizations to flourish and
develop.

The Bank assumes a significant job in supporting the Malaysian Government's monetary
and advancement activities, for example, the National Key Economic Areas (NKEAs)
(2010-2020) and the Financial Sector Blueprint (2011-2020).

In the course of the most recent decade, the Bank has advanced enormously in its
activities and furthermore human capital improvements conveyed through its key Five-
Year Transformation Plan which among others saw the Bank turning into an Islamic
Principle Based DFI in 2015.

Pushing ahead, the Bank means to fortify its situation as the favored money related
accomplice for the SMEs.

 Background of Bank Simpanan Nasional (BSN)

BSN was founded during the late nineteenth century when the main Savings Bank
administration opened in Perak and Selangor. These banks before long turned out to be a
piece of the nation's Post Office Savings Bank arrange which developed to serve over 2.5
million contributors by 1974, with gathered resources worth over RM537 million.

When BSN was formally settled on first December 1974, the Bank Simpanan Nasional
Act, 1974, empowered the exchange of the administration power from the Postal Services
Department to the bank's Board of Directors. With that, BSN was formally propelled on
fifth December by YAB Tun Haji Abdul Razak Bin Hussein, the Second Prime Minister
of Malaysia.

 Background of Export-Import Bank of Malaysia Berhad (EXIM Bank)

Export Import Bank of Malaysia Berhad (EXIM Bank) was joined on 29 August 1995 as
an administration claimed Development Financial Institution (DFI), entrusted with
conveying viable financing and takaful answers for cross-outskirt adventures. As an
entirely claimed auxiliary of the Minister of Finance Incorporated (Inc.), the Bank was
built up to advance converse speculation and fare of vital segments, for example, capital
merchandise, foundation ventures, delivering, esteem added fabricated items and to
encourage the section of Malaysian organizations to new markets, especially to the non-
customary markets.
2.0 Explanation of the Role of each of the DFIs

 Role of Bank Rakyat

As a substance heavily influenced by the Ministry of Entrepreneur Development and

Cooperatives (MEDAC), we are resolved to help the strategic the Ministry to solidify the
agreeable area as the backbone of financial development of the country through all the
endeavors and steps that we have masterminded.

 Role of Bank Pembangunan Malaysia Berhad (BPMB)

Bank Pembangunan Malaysia Berhad (BPMB) was fused on 28 November 1973 and started
its procedure on June 8, 1974. BPMB handled its first critical job in the Malaysian business
by helping business visionaries through the arrangement financing offices, preparing and
warning administrations, especially to the Bumiputera business people.

BPMB accomplished another achievement in December 1998 by giving financing to

framework ventures, especially Government upheld ventures. Setting out further, BPMB
upgraded its job in mid-2002 by offering corporate warning and endorsing administrations to
organizations that are occupied with improvement of foundation ventures.

 Role of Bank Pertanian Malaysia Berhad (Agrobank)

Agrobank is an establishment which offers money related types of assistance and banking
offices. We give our most extreme need to the requirements of our clients by giving alluring
items and administrations, for example, reserve funds exercises, banking administrations,
advance offices, protection inclusion and warning administrations.

Agrobank is a Government-Linked-Company (GLC) under the Minister of Finance

Incorporated (MFI). The bank's financing of the rural segment is driven by an approach set
out by the Ministry of Agriculture and Agrobased Industries.

Agrobank is a coherence of the previous Bank Pertanian Malaysia which has over 40 years of
experience in horticultural banking and an astounding history in forming and creating fruitful
business people. With a wide system of branches all through Malaysia, we are certain of
giving the best administrations to all.

Compensation bundles are serious and alluring. Potential workers are guaranteed of their
vocation advancement through dynamic upgrade of their much required abilities through
preparing presentation.
Agrobank gives a sound and testing working condition through its center capabilities to be
specificClient center, result driven, collaboration and consistence. On the off chance that you
are the missing connection that Agrobank is scanning for to make a show-stopper, come join
Agrobank with its 'Customer First' approach

 Role of Small Medium Enterprise Development Bank Malaysia Berhad (SME Bank)

Small Medium Enterprise Development Bank Malaysia Berhad, ordinarily known as SME
Bank is a Malaysian small and medium undertaking (SME) banking organization possessed
by Minister of Finance Incorporated. The bank's primary movement is to give money related
help and mastery to small and medium ventures

 Role of Bank Simpanan Nasional (BSN)

Bank Simpanan Nasional (BSN) was propelled on December 5, 1974 without lines five key
objectives that are applicable and key standards presence right up 'til the present time is to
advance and expand reserve funds, particularly from contributors little stockpiling, teach
great setting aside propensities and spare cash, give a station to the overall population to set
aside cash, the utilization of the Bank's assets for speculation, including financing the
improvement the nation's economy and to ensure the premiums of speculators and different
clients. Because of the Government's call to improve the quality and personal satisfaction
rustic networks and give banking access to the individuals who need, BSN keeps on
developing and fortify its financial system of operators (EB). Toward the finish of 2014, BSN
had 5,700 prepared specialists for serving the nearby network. BSN has likewise designated
specialists in the territory city/rural areas as another elective channel for the individuals who
doing banking after available time.

 Role of Export-Import Bank of Malaysia Berhad (EXIM Bank)

EXIM Bank's job is to give both ordinary and Islamic credit and banking offices, send out
credit protection/takaful administrations and exchange financing and administrations to help
Malaysian organizations in their cross fringe exercises in both conventional and non-
customary markets. Our banking and protection offices and administrations would
incorporate abroad undertaking financing, abroad agreement financing, fabricating with the
end goal of fare, benefits abroad and different cross outskirt exercises
3.0 Explanation of the Products and Services of DFIs

 Products and Services offered by Bank Rakyat

Bank Rakyat Malaysia (BRM) offers an alternate sort of retail banking. Bank Rakyat
experienced an uncommon development from a helpful arrangement of the board to a
profoundly imaginative market substance prepared to confront the extremely forceful serious
market powers of the Islamic banking and account industry. The BRM was an agreeable bank
before it entered the Islamic banking and account industry. It expected to make a culture of
progress and adaptability to adjust to the changing outer conditions. The test was to stay
reliable in its vision however return to its strategic. The consistency must be kept up as it was
in accordance with the establishing fathers' concept of serving its individuals. Consequently,
the vision of serving its individuals was kept up while another structure was made to help
productive dynamic and correspondence with partners. This change consequently encouraged
the usage of its development methodologies and arranging exercises, a basic for its
endurance. The entirety of this change was being affected while continuing its picture as a
responsive, straightforward and genuine corporate resident regardless of a large group of
issues and difficulties that lie ahead.
  Products and services offered by Bank Pembangunan Malaysia Berhad (BPMB)
 Money Market

Money market is a component of the financial markets for assets involved in short-term
acceptance and placement with original maturities up to one year.

 Tawarruq Deposit (Based on Tawarruq principle)

Tawarruq Deposit (TWD) is a deposit product based on the Bai’ Tawarruq. BPMB shall
solicit deposits from depositors and this Islamic fund is utilized for financing purposes or
other investment, which are Shariah compliant.

TWD is a sale of an asset to a purchaser with deferred payment based on Murabahah

concept. The purchaser then sells the asset to the third party on cash basis.

 Underlying Asset:

Crude palm oil or such other Shariah compliant commodities from suppliers registered in
commodity market.

Trading Fees:
Commodity trading fees is borne by BPMB.
Delivery charges (if any) are actual fee imposed by commodities supplier to be paid by
depositors.

Tenure:

Minimum: Overnight

Maximum: 60 months
 

Pre-Mature Upliftment/Withdrawal:

Zero profit.  
Products and services offered by Bank Pertanian Malaysia Berhad (Agrobank)

 Deposits

 Agro Perdana-i
 Qard Savings Account-i
 Basic Savings Account-i (Agro BSA-i)
 AgroTani-i
 Agro Tani-i (Foreign)
 Agro Muda-i
 Fixed Return Islamic Account-i (FRIA-i)
 Fixed Return Islamic Account-i (FRIA-i) 45Plus
 AgroPrimaS

 Consumer

 Sahabat Agro
 Hartani-i (Tawarruq)
 Ar Rahnu
 AgroCash-i
 Special Advance for Investment Assets-i (SAFIA-i)

 Business

 Fund For Food (3F)

 Modal Usahawan 1Malaysia (MUS1M-i)
 Tanaman Semula Kelapa Sawit-i (SAWIT-i)
 Term Financing-i
 Paddy-i (Tawarruq)
 Kemudahan Pembiayaan Modal Kerja-i (Tawarruq)
 Machinery & Equipment Financing-i (MAEF-i)
 Agro Cash Line-i
 Strategic Alliance Financing-i (SALF-i)
 Financing Programmes
 Agro Bakti Financing Programme
  Electronic banking

 e-PAYMENT FEES & CHARGES

 AGRONet (Retail Internet Banking)
 AGRONetBIZ (Perbankan Internet Perniagaan)
 SELF-SERVICE TERMINAL (ATM/CDM/CQ,/CoDM/Internet Kiosk)
 Agro Visa Debit Card-i
 Agro VISA Business Debit Card-i
 AGROAgent (Agent Banking Services)

 Services

 Agro Mabrur-i
 Pusaka
 Bill Payment
 Takaful
 Wasiat (Letter of Will)
 Assessment Tax
 Zakat (Tithe)
 SSPN-i
 Safe Deposit Box
 Rates
 Fees and Charges
 Terms and Conditions for Deposit Account
 Interbank GIRO
 Interbank Fund Transfer (IBFT)
 Agro Nurani

 Trade Finance

 Documentary Collection-i
 Bank Guarantee-i
 Trade Working Capital Financing-i (TWCF-i)
 Letter of Credit-i
 Murabahah Trust Receipt
 Shipping Guarantee-i (SG-i)

 Products and services offered by Small Medium Enterprise Development Bank

Malaysia Berhad (SME Bank)

SME Bank offers direct lending activities, provision of guarantee to financial institutions and
investment activities including venture capital for SMEs who are expanding their business.
SME Bank also provide ancillary services related to business advisory and entrepreneurial
development.

 Products and services offered by Bank Simpanan Nasional (BSN)

BSN’s main products include Personal Financing, mortgage loans, Premium Saving

Certificate (SSP), Islamic Banking Scheme, Giro Savings Account, BSN Matrix and Matrix-
i Debit Card as well as VISA and MasterCard credit card. BSN also provide service such as
pin number purchase, bill payment, interbank giro(IBG), Interbank fund transfer(IBFT),
suruhanjaya syarikat Malaysia(SSM), western union, motor insurance, will writing, creative
industry loan, auto credit and auto debit.
 Products and services offered by Export-Import Bank of Malaysia Berhad
(EXIM Bank)
4.0 Analysis of the Assets and Liabilities of each of the DFIs

 Assets and liabilities of Bank Rakyat

 Assets and liabilities of Bank Pembangunan Malaysia Berhad (BPMB)
 Assets and liabilities of Bank Pertanian Malaysia Berhad (Agrobank)
 Assets and liabilities of Small Medium Enterprise Development Bank Malaysia
Berhad (SME Bank)
 Assets and liabilities of Bank Simpanan Nasional (BSN)
 Assets and liabilities of Export-Import Bank of Malaysia Berhad (EXIM Bank)
 5.0 Comparison between the DFIs

Bank Pembangunan Malaysia Berhad

Bank Pembangunan Malaysia Berhad provides medium to long term financing to

infrastructure, maritime, high technology, and oil and gas sectors. Its products and services
include private debt securities, including bonds issuance, commercial papers (CP), and
medium-term notes’ (MTN) programs; Islamic securities, such as Sukuk issuance, Islamic
CP, and MTN programs; and syndicated term financing/club deal transactions. The company
offers project finance, contract finance, deferred payment loans, private finance initiatives,
and structured finance. It also offers various special funds and schemes, including tourism
infrastructure funds, tourism infrastructure development funds, maritime funds, maritime
development funds, contract financing schemes, differed payment schemes, and private
finance initiative schemes. In addition, the company offers short-term money market
instruments and fixed deposits; and advises, structures, and arranges optimal financing
solutions for corporate clients to raise financing through debt (and equity) capital markets
and/or through loan syndications/club deals. Bank Pembangunan Malaysia Berhad was
formerly known as Bank Pembangunan Dan Infrastruktur Malaysia Berhad and changed its
name to Bank Pembangunan Malaysia Berhad in September 2005. Bank Pembangunan
Malaysia Berhad was incorporated in 1973 and is based in Kuala Lumpur, Malaysia.

Bank Perusahaan Kecil & Sederhana Malaysia Berhad (SME Bank)

The main objective of this institutions is to developing a group of diverse and competitive
small and medium enterprises (SMEs) towards achieving sustainable economic growth.
SMEs are crucial to the economic growth process and play an important role in the country’s
overall production network. In 2005, the National SME Development Council (NSDC)
approved the use of common definitions for SMEs in the manufacturing, manufacturing-
related services, primary agriculture and services sectors. These definitions are applied by all
Government Ministries and Agencies involved in SME development, as well as by the
financial institutions. The use of common definitions for SMEs strengthen government efforts
to create effective policies and support programs for specific target, make it easier to provide
technical and financial assistance to SMEs; and allow for the identification of SMEs in the
various categories and levels.
Export-Import Bank of Malaysia Berhad (EXIM Bank)

Export-Import Bank of Malaysia Berhad (EXIM Bank) was incorporated on 29 August 1995
as a government owned development financial institution through a wholly owned subsidiary
of the Minister of Finance Incorporated. The Bank was established to promote reverse
investment and export of strategic sectors such as capital goods, infrastructure projects,
shipping, value added manufactured products and to facilitate the entry of Malaysian
companies to new markets, particularly to the non-traditional markets. As an agency under
the purview of the Ministry of Finance, EXIM Bank’s mandated role as specified by the
Government is as to provide credit facilities to finance and support exports and imports of
goods, services and overseas projects with emphasis on non-traditional markets as well as the
provision of export credit insurance services, export financing insurance, overseas
investments insurance and guarantee facilities. The Bank’s clientele consists of large
corporations, SMEs, foreign governments and foreign companies and cover all sectors
ranging from trading, manufacturing and infrastructure

Bank Kerjasama Rakyat Malaysia Berhad

Bank Kerjasama Rakyat Malaysia Berhad, an Islamic cooperative bank, provides personal
and business banking products and services in Malaysia. Its personal banking products and
services include savings, deposits, and eCurrent accounts; personal, home, car, and education
financing, as well as pawn broking; debit, credit, merchant, and other cards; and financial
planning. Its business banking products and services include micro and business financing,
and micro enterprise fund; rural development financing; credit guarantee corporation scheme;
and CO-OP and entrepreneur programs. Its products and services also include consumer
banking, commercial financing, investments, and mobile and online banking services. Bank
Kerjasama Rakyat Malaysia Berhad was formerly known as Bank Agong Kampong
Bekerjasama-sama Persekutuan Tanah Melayu Dengan Tanggongan Berhad and changed its
name to Bank Kerjasama Rakyat Malaysia Berhad in 1973. The company was founded in
1954 and is based in Kuala Lumpur, Malaysia. It has regional offices and branches in
Malaysia.
Bank Simpanan Nasional

BANK Simpanan Nasional Sdn. Bhd. provides personal and Islamic banking services. The
company offers deposits, debit/credit cards, loans, alternative banking channels, and other
banking services. It also provides financial planning, asset/wealth management, and financing
solutions; and micro finance products. The company was formerly known as Post Office
Savings Bank and changed its name to BANK Simpanan Nasional Sdn. Bhd. in December
1974. The company was founded in 1902 and is headquartered in Kuala Lumpur, Malaysia.
The company has subsidiaries in Kuala Lumpur, Malaysia.

Bank Pertanian Malaysia Berhad (Agrobank)

Bank Pertanian Malaysia Berhad offers financial services and banking facilities for the
agricultural sector. It provides credit and financing to the rural agricultural industry. The
company offers saving accounts, current accounts, and other deposit services; personal and
business financing facilities; short term revolving facilities for working capital; and electronic
banking services. It also provides Simpanan Wadiáh, Agro BSA-I, and AgroTani-I, Agro
Tani-i (Foreign), and AgroMuda-I savings account; AgroPrimaS Deposit-i Account; Agro
Perdana-i Wadi'ah GIRO facility; and Fixed Return Islamic Account-i (FRIA-i) investment
account for individuals. In addition, the company provides AgroCash-I and Special Advance
for Investment Assets-i (SAFIA-i), and Hartani-I financing facilities; Ar Rahnu, an Islamic
pawn broking scheme; and Sahabat Agro (AgroprimaS), a Shariah-compliant marketing
programme. Further, it operates Modal Usahawan 1Malaysia (MUS1M-i), Tanaman Semula
Kelapa Sawit-i (SAWIT-i), Term Financing-I, Paddy-i (Tawarruq), Kemudahan Pembiayaan
Modal Kerja-i (Tawarruq), Machinery & Equipment Financing-i (MAEF-i), Agro Cash Line-
I, Strategic Alliance Financing-i (SALF-i), Financing Programmes, Fund For Food (3F),
Agro Bakti Financing Programme for agricultural businesses. The company also offers retail
Internet banking, self-service terminals, agent banking, debit card, bill payment, safe deposit
boxes, fund transfer, and advisory services. Bank Pertanian Malaysia Berhad was founded in
1969 and is based in Kuala Lumpur, Malaysia.
 Summary

Development financial institutions are among the establishments that assume a

significant job in the financial development. As particular organizations,
Development Financial Institutions give a range of specific money related items and
administrations to suit the requirements of the focused on areas. Auxiliary
administrations as discussion and warning administrations are likewise given by
Development Budgetary Institutions to support and build up the recognized segments.
Improvement Financial Establishments along these lines, supplement the financial
foundations and go about as a vital channel to connect the holes in the flexibly of
budgetary items and administrations in light of a legitimate concern for long haul
financial turn of events.

References:
 Ab. Manan, S.K., & Shafiai, M. H. (2015). Risk Management of Islamic
Microfinance (IMF) Product by Financial Institutions in Malaysia. Procedia
Economics and Finance. 31, 83- 90. Bank Negara Malaysia (2009). Retrieved from
http://www.bnm.gov.my/index.php?ch=fs&pg=fs_mfs_dfi&ac=162
 Islam, M. A. (2015). An Empirical Assessment of the Impact of Development
Financial Institutions (DFIs) on Malaysian Economy. International Journal of
Financial Economics.4(4), 176-184.
 Kidwell, D.S., Blackwell, D.W., Whidbee, D.A., & Sias, R.W. (2012). Financial
institutions, markets, and money (11 ed.). John Wiley & Sons: Hoboken, NJ.
Pramanik, A.H.(1997). Success Story In Malaysia's Development: Conventional And
Islamic Perspectives. Humanomics, 13(3), 135-173.
 Speech and article, (n.d). Retrieved from
https://www.sc.com.my/post_archive/introduction-and-the-early-phases-of-
development-of-the-islamic-financial-system-bytan-sri-dato-nor-mohamed-yakcop-
special-economics-adviser-to-the-prime-minister-of-malaysia-at-the-kuala-lumpur-in/