2016
KANDUNGAN CONTENTS
PERKEMBANGAN MONETARI DAN KEWANGAN .................................................................................................................1
MONETARY AND FINANCIAL DEVELOPMENTS ..................................................................................................................8
1. Kewangan dan Perbankan Monetary and Banking
1.1 Wang Rizab ...............................................................................................................................................................15 Reserve Money
1.2 Mata Wang Dalam Edaran mengikut Jenis Nilai .......................................................................................................16 Currency in Circulation by Denomination
1.3 Agregat Kewangan: M1, M2 dan M3 .........................................................................................................................17 Monetary Aggregates: M1, M2 and M3
1.3.1 Wang Secara Luas, M3 .................................................................................................................................18 Broad Money, M3
1.3.2 Faktor Penentu M3 ........................................................................................................................................19 Factors Affecting M3
1.4 Bank Negara Malaysia: Penyata Aset .......................................................................................................................20 Bank Negara Malaysia: Statement of Assets
1.5 Bank Negara Malaysia: Penyata Modal dan Liabiliti ................................................................................................21 Bank Negara Malaysia: Statement of Capital and Liabilities
1.6 Tabung-tabung Khas Bank Negara Malaysia............................................................................................................22 Bank Negara Malaysia’s Special Funds
1.7 Sistem Perbankan: Penyata Aset ............................................................................................................................23 Banking System: Statement of Assets
1.7.1 Sistem Perbankan Islam: Penyata Aset .......................................................................................................24 Islamic Banking System: Statement of Assets
1.8 Kumpulan-kumpulan Wang Insurans Hayat dan Am: Penyata Aset .........................................................................25 Life and General Insurance Funds: Statement of Assets
1.9 Sistem Perbankan: Penyata Ekuiti dan Liabiliti ........................................................................................................26 Banking System: Statement of Equities and Liabilities
1.9.1 Sistem Perbankan Islam: Penyata Ekuiti dan Liabiliti ..................................................................................27 Islamic Banking System: Statement of Equities and Liabilities
1.10 Sistem Perbankan: Pinjaman yang Dipohon Mengikut Tujuan .................................................................................28 Banking System: Loans Applied by Purpose
1.11 Sistem Perbankan: Pinjaman yang Dipohon Mengikut Sektor ..................................................................................29 Banking System: Loans Applied by Sector
1.12 Sistem Perbankan: Pinjaman yang Diluluskan Mengikut Tujuan ..............................................................................30 Banking System: Loans Approved by Purpose
1.13 Sistem Perbankan: Pinjaman yang Diluluskan Mengikut Sektor...............................................................................31 Banking System: Loans Approved by Sector
1.14 Sistem Perbankan: Pinjaman yang Dikeluarkan Mengikut Tujuan............................................................................32 Banking System: Loans Disbursed by Purpose
1.15 Sistem Perbankan: Pinjaman yang Dikeluarkan Mengikut Sektor ............................................................................33 Banking System: Loans Disbursed by Sectors
1.16 Sistem Perbankan: Pinjaman yang Dibayar Mengikut Tujuan ..................................................................................34 Banking System: Loans Repaid by Purpose
1.17 Sistem Perbankan: Pinjaman yang Dibayar Mengikut Sektor ...................................................................................35 Banking System: Loans Repaid by Sectors
1.18 Sistem Perbankan: Pinjaman Mengikut Jenis ...........................................................................................................36 BankingSystem:ClassificationofLoansbyType
1.18.1 Sistem Perbankan Islam: Pembiayaan Mengikut Jenis ................................................................................37 Islamic Banking System: Financing by Type
1.19 Sistem Perbankan: Pengelasan Pinjaman Mengikut Tujuan ....................................................................................38 BankingSystem:ClassificationofLoansbyPurpose
1.20 Sistem Perbankan: Pengelasan Pinjaman Mengikut Sektor ....................................................................................39 BankingSystem:ClassificationofLoansbySector
1.21 Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas dan Peruntukan Jejas Nilai ....................................40 Banking System: Non-Performing Loans/Impaired Loans and Impairment Provisions
1.21a Sistem Perbankan: Pinjaman Terjejas dan Peruntukan Jejas Nilai ...............................................................41 Banking System: Impaired Loans and Impairment Provisions
1.22 Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas Mengikut Tujuan ....................................................42 Banking System: Non-Performing/Impaired Loans by Purpose
1.23 Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas Mengikut Sektor.....................................................43 Banking System: Non-Performing/Impaired Loans by Sector
1.24 Sistem Perbankan: Jumlah Deposit mengikut Jenis .................................................................................................44 Banking System: Total Deposits by Type
1.24.1 Sistem Perbankan Islam: Deposit mengikut Jenis ........................................................................................45 Islamic Banking System: Deposits by Type
1.25 Sistem Perbankan: Jumlah Deposit mengikut Penyimpan........................................................................................46 Banking System: Total Deposits by Holder
1.26 Nisbah Keperluan Berkanun dan Nisbah Mudah Tunai ............................................................................................47 Statutory Reserve Requirement and Liquidity Ratio
1.27 Keperluan Rizab Berkanun dan Aset Mudah Tunai ..................................................................................................48 Statutory Reserve Requirement and Liquidity Requirements
1.28a Nisbah Perlindungan Mudah Tunai .........................................................................................................................49 Liquidity Coverage Ratio
1.29 Sistem Perbankan: Komponen Modal (format terdahulu) .........................................................................................50 Banking System: Constituents of Capital (previous format)
1.29a Sistem Perbankan: Komponen Modal ...........................................................................................................51 Banking System: Constituents of Capital
1.30 Operasi Kad Kredit Di Malaysia ................................................................................................................................52 Credit Card Operations in Malaysia
2. Kewangan dan Pasaran Modal Financial and Capital Markets
2.1 Kadar Faedah: Institusi Perbankan ...........................................................................................................................53 Interest Rates: Banking Institutions
2.2 Sistem Perbankan Islam: Kadar Pembiayaan dan Pulangan kepada Pendeposit ....................................................54 Islamic Banking System: Financing Rate and Rate of Return to Depositors
2.3 Kadar Faedah: Pasaran Wang Antara Bank .............................................................................................................55 Interest Rates: Interbank Money Market
2.4 Kadar Faedah: Bil Perbendaharaan dan Bil Bank Negara ........................................................................................56 Interest Rates: Treasury Bills and Bank Negara Bills
2.5 Hasil Indikatif Pasaran: Sekuriti Kerajaan Malaysia ..................................................................................................57 Market Indicative Yield: Malaysian Government Securities
2.6 Kadar Pertukaran Mata Wang: Ringgit Malaysia ......................................................................................................58 Exchange Rates: Malaysian Ringgit
2.7 Jumlah Dana Diniagakan dalam Pasaran Wang Antara Bank ..................................................................................59 Volume of Transaction in Interbank Money Market
2.8 Jumlah Urus Niaga Antara Bank dalam Pasaran Pertukaran Asing Kuala Lumpur ..................................................60 Volume of Interbank Transactions in the Kuala Lumpur Foreign Exchange Market
2.9 Dana yang Diperoleh Daripada Pasaran Modal (oleh Sektor Awam) .......................................................................61 Funds Raised in the Capital Market (by Public Sector)
2.10 Dana yang Diperoleh Daripada Pasaran Modal (oleh Sektor Swasta) .....................................................................62 Funds Raised in the Capital Market (by Private Sector)
2.11 Terbitan Baru Sekuriti Hutang Swasta (kecuali Bon Cagamas) mengikut Sektor .....................................................63 New Issues of Private Debt Securities (excluding Cagamas Bonds) by Sector
2.12 Bursa Malaysia Securities Berhad: Penunjuk Terpilih...............................................................................................64 Bursa Malaysia Securities Berhad: Selected Indicators
2.13 Pasaran Hadapan dan Opsyen: Penunjuk Terpilih ...................................................................................................65 Futures and Options Markets: Selected Indicators
2.14 Pusing Ganti dalam Pasaran Wang Konvensional dan Islam ...................................................................................66 Turnover of Conventional and Islamic Money Market
2.15 Pusing Ganti Derivatif................................................................................................................................................67 Turnover of Derivatives Transaction
2.16 Pusing Ganti Sekuriti Hutang dan Sukuk ..................................................................................................................68 Turnover of Debt Securities and Sukuk
2.17 Pusing Ganti Pasaran Pertukaran Asing ...................................................................................................................69 Turnover of Foreign Currency Market Transactions
3. Sektor Luaran dan Penunjuk Makroeconomi
3.1 Kewangan Kerajaan Persekutuan .............................................................................................................................70 Federal Government Finance
3.2 RENTAS - Pegangan Pemilik-Pemilik Asing bagi Sekuriti Hutang dan Sukuk ..............................................................71 RENTAS - Foreign Holdings in Debt Securities and Sukuk
3.3 Keluaran Dalam Negara Kasar Mengikut Komponen Perbelanjaan pada Harga Malar 2010 (Perubahan Tahunan) ......72 Gross Domestic Product by Expenditure Components at Constant 2010 Prices (Annual Change)
3.4 Keluaran Dalam Negeri Kasar mengikut Jenis Aktiviti Ekonomi pada Harga Malar 2010 (Perubahan Tahunan) ........ 73 Gross Domestic Product by Kind of Economic Activity at Constant 2010 Prices (Annual Change)
3.5 Penunjuk Ekonomi Terpilih........................................................................................................................................74 Selected Economic Indicators
3.6 Imbangan Pembayaran (BPM6) ................................................................................................................................75 Balance of Payments (BPM6)
3.7 HutangLuarNegeri(DefinisiSemula).......................................................................................................................76 ExternalDebt(Redefined)
3.8 Rizab Luar Negeri .....................................................................................................................................................77 External Reserves
4 Insurans dan Takaful
4.1 Kumpulan Wang Insurans Hayat/Am dan Takaful Keluarga/Am: Penyata Aset (dialihkan dari jadual asal 1.8) ..................... 78 4.1 Life/General Insurance and Family/General Takaful Funds: Statement of Assets (shifted from existing MSB Table 1.8)
4.2 Insurans: Aset dan Liabiliti Penanggung Insurans Ditubuhkan di Malaysia ...............................................................79 4.2 Insurance: Assets and Liabilities of Malaysian-Incorporated Insurers 4.3 Takaful: Aset dan Liabiliti Pengendali Takaful Ditubuhkan di Malaysia ......................................................................80 4.3 Takaful: Assets and Liabilities of Malaysian-Incorporated Takaful Operators 4.6 Insurans Hayat: Perniagaan Baharu dan Perniagaan Berkuat Kuasa Penanggung Insurans Langsung ..................81 4.6 Life Insurance: New Business and Business in Force of Direct Insurers 4.6.5 Insurans Hayat: Agihan Premium Tahunan Berkuat Kuasa Penanggung Insurans Langsung ......................82 4.6.5 Life Insurance: Distribution of Annual Premiums in Force of Direct Insurers
4.6.8 Insurans Hayat: Penamatan Premium Tahunan Penanggung Insurans Langsung .......................................83 4.6.8 Life Insurance: Terminations of Annual Premiums of Direct Insurers
4.6.a Insurans Hayat: Pendapatan dan Perbelanjaan ........................................................................................................844.6.a Life Insurance: Income and Outgo 4.6.b Insurans Hayat: Aset Kumpulan Wang Insurans Hayat .............................................................................................854.6.b Life Insurance: Assets of Life Insurance Funds 4.7.1 Insurans Am: Agihan Premium Langsung Kasar............................................................................................86 4.7.1 General Insurance: Distribution of Gross Direct Premiums
4.7.10 Insurans Am: Nisbah Tuntutan .......................................................................................................................87 4.7.10 General Insurance: Claims Ratio
4.7.14 Insurans Am: Pendapatan Premium Diperoleh ..............................................................................................88 4.7.14 General Insurance: Earned Premium Income
4.7.19 Insurans Am: Tuntutan Bersih Dibayar...........................................................................................................89 4.7.19 General Insurance: Net Claims Paid 4.7.20 Insurans Am: Tuntutan Bersih Kena Dibayar .................................................................................................90 4.7.20 General Insurance: Net Claims Incurred
4.7.a Insurans Am: Keputusan Pengunderaitan dan Kendalian ........................................................................................914.7.a General Insurance: Underwriting and Operating Results 4.7.b Insurans Am: Aset Kumpulan Wang Insurans Am ......................................................................................................924.7.b General Insurance: Assets of General Insurance Funds 4.8 Takaful Keluarga: Perniagaan Baharu dan Perniagaan Berkuat Kuasa ....................................................................934.8 Family Takaful: New Business and Business in Force 4.8.3 Takaful Keluarga: Caruman bagi Perniagaan Baharu mengikut Pelan ..........................................................94 4.8.3 Family Takaful: Contributions of New Business by Plan
4.8.4 Takaful Keluarga: Agihan Caruman Perniagaan Baharu Mengikut Pelan ......................................................95 4.8.4 Family Takaful: Distribution of New Business Contributions by Plan
4.8.7 Takaful Keluarga: Caruman Tahunan Perniagaan Berkuat kuasa mengikut Pelan ........................................96 4.8.7 Family Takaful: Annual Contributions of Business in Force by Plan
4.8.10 Takaful Keluarga: Caruman Tahunan Penamatan mengikut Pelan ................................................................97 4.8.10 Family Takaful: Annual Contributions of Termination by Plan
4.8.a Takaful Keluarga: Pendapatan dah Perbelanjaan ......................................................................................................984.8.a Family Takaful: Income and Outgo 4.8.b Takaful Keluarga: Aset Kumpulan Takaful Keluarga ..................................................................................................994.8.b Family Takaful: Assets of Family Takaful Funds
4.9 Takaful Am: Agihan Caruman Kasar ........................................................................................................................1004.9 General Takaful: Distribution of Gross Contributions 4.9.1 Takaful Am: Agihan Caruman Bersih............................................................................................................101 4.9.1 General Takaful: Distribution of Net Contributions
4.9.4 Takaful Am: Tuntutan Bersih Dibayar ...........................................................................................................102 4.9.4 General Takaful: Net Claims Paid
4.9.5 Takaful Am: Nisbah Tuntutan .......................................................................................................................103 4.9.5 General Takaful: Claims Ratio
4.9.6 Takaful Am: Pendapatan Caruman Terperoleh ............................................................................................104 4.9.6 General Takaful: Earned Contribution Income
4.9.7 Takaful Am: Tuntutan Bersih Kena Dibayar..................................................................................................105 4.9.7 General Takaful: Net Claims Incurred
4.9.a Takaful Am: Keputusan Pengunderaitan dan Kendalian ..........................................................................................1064.9.a General Takaful: Underwriting and Operating Results 4.9.b Takaful Am: Aset Kumpulan Takaful Am ...................................................................................................................1074.9.b General Takaful: Assets of General Takaful Funds
4 Insurans dan Takaful 2
1
1 Merujuk kepada hutang luar negeri jangka pendek yang didefinisikan semula, termasuk peminjaman jangka pendek luar pesisir, pemegangan sekuriti hutang ringgit jangka pendek oleh bukan pemastautin, deposit bukan pemastautin dengan sistem perbankan dan hutang jangka pendek lain. Untuk maklumat lanjut, rujuk rencana bertajuk ‘Definisi Semula Hutang Luar Negeri’ dalam Buletin Suku Tahunan mengenai Perkembangan Ekonomi dan Kewangan Malaysia pada Suku Pertama 2014.
PERKEMBANGAN MONETARI DAN KEWANGAN SEPTEMBER 2016
Keadaan HargaInflasi keseluruhan, seperti yang diukur oleh perubahan peratusan tahunan dalam Indeks Harga Pengguna (IHP), tidak berubah pada 1.5% pada bulan September 2016 (Ogos: 1.5%). Inflasi dalam kategori makanan dan minuman bukan alkohol lebih rendah pada 3.0% pada bulan September 2016 (Ogos: 3.5%) disebabkan oleh penurunan harga dalam kebanyakan subkategori makanan susulan keadaan bekalan yang bertambah baik. Kategori pengangkutan mencatat inflasi negatif yang lebih kecil sebanyak 5.5% (Ogos: -6.7%), berikutan penurunan yang lebih kecil pada harga bahan api dalam negeri pada bulan September 2016 berbanding dengan tempoh yang sama pada tahun 2015.
Keadaan MonetariKadar antara bank melebihi tempoh matang 1 bulan secara relatif stabil pada bulan September. Kadar asas (base rate, BR) purata berwajaran bank perdagangan kekal tidak berubah pada 3.60% manakala kadar pinjaman purata (average lending rate, ALR) berwajaran terus stabil pada 5.27% pada bulan September (Ogos: 5.28%). Pembiayaan bersih kepada sektor swasta mencatat pertumbuhan tahunan 6.5% pada bulan September (Ogos: 6.3%). Ini didorong oleh pertumbuhan bersih bon korporat terkumpul yang lebih tinggi pada bulan itu dalam keadaan pertumbuhan pinjaman yang stabil yang diberikan oleh sistem perbankan dan institusi kewangan pembangunan (IKP). Pinjaman perniagaan terkumpul sistem perbankan mencatat peningkatan tahunan 2.0% (Ogos: 1.9%), dengan jumlah pinjaman yang lebih besar diberikan kepada sektor harta tanah; pertanian; perkilangan; serta kewangan, insurans dan perkhidmatan perniagaan. Khususnya, pertumbuhan tahunan pinjaman PKS terkumpul dan paras pinjaman yang diberikan kepada PKS terus bertambah baik. Bagi isi rumah, pinjaman terkumpul oleh sistem perbankan meningkat pada kadar yang lebih perlahan sebanyak 5.6% pada bulan September (Ogos: 5.7%), mencerminkan pertumbuhan tahunan pinjaman terkumpul yang sederhana untuk pembelian harta kediaman; kereta penumpang; dan harta tanah bukan kediaman. Paras permohonan dan kelulusan pinjaman pada bulan September untuk perniagaan dan isi rumah masing-masing menurun kepada RM68.2 bilion (Ogos: RM74.5 bilion; purata bulanan untuk bulan Januari - Ogos 2016: RM67.0 bilion) dan RM29.6 bilion (Ogos: RM31.5 bilion; purata bulanan untuk bulan Januari - Ogos 2016: RM28.0 bilion). Wang secara luas atau M3 mencatat pertumbuhan tahunan 2.2% pada bulan September (Ogos: 2.4%). Peningkatan M3 didorong terutamanya oleh pemberian kredit yang berterusan kepada sektor swasta oleh sistem perbankan. Walau bagaimanapun, peningkatan ini sebahagiannya telah diimbangi terbitan modal oleh bank-bank pada tempoh itu serta pertumbuhan Akaun Pelaburan Islam yang berterusan seperti yang dicerminkan dalam pengaruh lain.
Sistem PerbankanSistem perbankan terus mengekalkan kedudukan modal yang kukuh. Nisbah Modal Ekuiti Biasa Kumpulan 1 (CET1), Nisbah Modal Kumpulan 1 dan Nisbah Jumlah Modal masing-masing pada 13.3%, 14.2% dan 16.7%. Pinjaman terjejas bersih mencakupi 1.3% daripada pinjaman bersih manakala nisbah perlindungan kerugian pinjaman adalah pada 89.4%. Dengan mengambil kira rizab pengawalseliaan (regulatory reserve) untuk pinjaman dan pembiayaan, institusi perbankan mengekalkan penampan yang mencukupi bagi kemungkinan kerugian kredit.
Kadar Pertukaran dan Rizab AntarabangsaPada bulan September, ringgit menyusut nilai berbanding dengan dolar Amerika Syarikat (AS) dan kebanyakan mata wang utama dan serantau. Nilai ringgit menyusut berbanding dengan dolar AS pada bulan itu disebabkan terutamanya oleh aliran keluar portfolio dalam keadaan sentimen pelabur yang terjejas akibat kemerosotan harga minyak mentah global. Pada bulan itu, pasaran kewangan dan mata wang serantau turut terjejas disebabkan oleh ketidakpastian sebelum berlangsungnya mesyuarat Jawatankuasa Pasaran Terbuka Federal (Federal Open Market Committee, FOMC) AS pada bulan September. Rizab antarabangsa Bank Negara Malaysia berjumlah RM405.6 bilion (bersamaan dengan USD97.8 bilion) pada 14 Oktober 2016. Paras ini kekal lebih daripada mencukupi untuk memudahkan urus niaga antarabangsa dan memadai untuk membiayai 8.5 bulan import tertangguh dan ialah 1.2 kali hutang luar negeri jangka pendek1.
2
Inflasi keseluruhan stabil pada bulan September
Inflasi Keseluruhan Inflasi Keseluruhan: Sumbangan kepada Inflasi
Kadar antara bank melebihi tempoh matang 1 bulan stabil pada bulan September
Purata Wajaran Harian bagi Kadar
Antara Bank Semalaman Kadar Antara Bank Purata
1.5
3.0
-5.5
2.1
-12
-10
-8
-6
-4
-2
2
4
6
8
10
Sept
13
Jan
14
Mei
14
Sept
14
Jan
15
Mei
15
Sept
15
Jan
16
Mei
16
Sept
16
Inflasi keseluruhanMakanan dan minuman bukan alkoholPengangkutanPerumahan dan utiliti
Pertumbuhantahunan, (%)Pertumbuhantahunan, (%)
Sumber: Jabatan Perangkaan Malaysia
-1.2-1.0-0.8-0.6-0.4-0.20.00.20.40.60.81.01.2
Mak
anan
, min
uman
buka
n al
koho
l
Peng
angk
utan
Peru
mah
anda
n ut
iliti
Min
uman
alk
ohol
dan
tem
baka
u
Lain
-lain
Ogos 2016 Sept 2016
Mata peratusan
*Lain-lain termasuk restoran dan hotel; perkhidmatan rekreasi dan kebudayaan; pendidikan; kesihatan; hiasan, perkakasan dan penyelenggaraan isi rumah; komunikasi; pakaian dan kasut; dan pelbagai barangan dan perkhidmatan.
Sumber: Bank Negara Malaysia
2.0
2.5
3.0
3.5
4.0
Jan
13
Mei
13
Sept
13
Jan
14
Mei
14
Sept
14
Jan
15
Jun
15
Okt
15
Feb
16
Jun
16
Okt
16
%
Kadar terendah koridor bagi OPR
Kadar tertinggi koridor bagi OPR
28 Okt: 2.99%
Sumber: Bank Negara Malaysia
3.03
3.09
3.31
2.8
3.0
3.2
3.4
3.6
3.8
4.0
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
%1 minggu1 bulan3 bulan
Nota: Kadar antara bank yang terakhir diniagakan akan digunakan semasa tempoh tiada urus niaga pada bulan itu
Sumber: Bank Negara Malaysia
3
2.0
5.6
2
4
6
8
10
12
14
Sept
14
Nov
14
Jan
15
Mac
15
Mei
15
Jul 1
5
Sept
15
Nov
15
Jan
16
Mac
16
Mei
16
Jul 1
6
Sept
16
Perusahaan Perniagaan
Isi rumah
Sumber: Bank Negara Malaysia
Pertumbuhan tahunan (%)
6.5
4.2
2
4
6
8
10
12
14
Sept
14
Nov
14
Jan
15
Mac
15
Mei
15
Jul 1
5
Sept
15
Nov
15
Jan
16
Mac
16
Mei
16
Jul 1
6
Sept
16
Jumlah Pembiayaan Bersih*
Jumlah Pinjaman Sistem Perbankan
Pertumbuhan tahunan (%)
* Pembiayaan bersih terdiri daripada pinjamansistem perbankan dan IKP, dan bon korporat terkumpul(tidak termasuk Cagamas dan terbitan bukanpemastautin)
Sumber: Bank Negara Malaysia
Kadar Deposit Bank Perdagangan Kadar Pinjaman Bank Perdagangan
Pertumbuhan pembiayaan bersih lebih tinggi pada bulan September
Pembiayaan Bersih dan Pinjaman Terkumpul Pinjaman Terkumpul Sistem Perbankan
2.92
0.96
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
1.8
2.0
2.5
2.7
2.9
3.1
3.3
3.5
3.7
3.9
4.1
4.3
4.5
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
%
Kadar FD 3 bulan
Kadar Tabungan (skala kanan)
Sumber: Bank Negara Malaysia
%
6.65
5.27
3.603.0
3.5
4.0
4.5
5.0
5.5
6.0
6.5
7.0
7.5
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
%
Kadar Pinjaman AsasKadar Pinjaman Purata BerwajaranKadar Asas Purata Berwajaran1,2
1 Pada 2 Januari 2015, Kadar Asas telah menggantikan Kadar Pinjaman Asas (BLR) sebagai kadar rujukan untuk pinjaman runcit berkadar terapung baharu dan kemudahan pembiayaan baharu2 Wajaran berdasarkan bahagian setiap bank daripada semua pinjaman berkadar terapung terkumpul
Sumber: Bank Negara Malaysia
4
20
40
60
80
100
120
Sept
14
Nov
14
Jan
15
Mac
15
Mei
15
Jul 1
5
Sept
15
Nov
15
Jan
16
Mac
16
Mei
16
Jul 1
6
Sept
16
RM bilion
Perusahaan Perniagaan*
Isi Rumah
* Termasuk institusi kewangan bukan bank domestik, Kerajaan, institusi kewangan domestik, entiti domestiklain dan entiti asing
Sumber: Bank Negara Malaysia
5
10
15
20
25
30
35
40
45
Sept
14
Nov
14
Jan
15
Mac
15
Mei
15
Jul 1
5
Sept
15
Nov
15
Jan
16
Mac
16
Mei
16
Jul 1
6
Sept
16
RM bilion
Perusahaan Perniagaan*
Isi Rumah
* Termasuk institusi kewangan bukan bank domestik, Kerajaan, institusi kewangan domestik, entiti domestiklain dan entiti asing
Sumber: Bank Negara Malaysia
10
20
30
40
50
60
70
80
90
Sept
14
Nov
14
Jan
15
Mac
15
Mei
15
Jul 1
5
Sept
15
Nov
15
Jan
16
Mac
16
Mei
16
Jul 1
6
Sept
16
RM bilion
Perusahaan Perniagaan*
Isi Rumah
* Termasuk institusi kewangan bukan bank domestik, Kerajaan, institusi kewangan domestik, entiti domestiklain dan entiti asing
Sumber: Bank Negara Malaysia
20
40
60
80
100
120
140
160Se
pt 1
4
Nov
14
Jan
15
Mac
15
Mei
15
Jul 1
5
Sept
15
Nov
15
Jan
16
Mac
16
Mei
16
Jul 1
6
Sept
16
RM bilion
EkuitiBon korporat kasar*Pengeluaran Pinjaman
* Tidak termasuk Cagamas dan terbitan bukan pemastautin
Sumber: Bank Negara Malaysia
Pembiayaan Kasar Sektor Swasta Pengeluaran Pinjaman oleh Sistem Perbankan
Permohonan Pinjaman oleh Sistem Perbankan
Kelulusan Pinjaman oleh Sistem Perbankan
5
Mudah tunai dalam sistem perbankan kekal lebih daripada mencukupi
Nisbah Pinjaman kepada Deposit, Pinjaman kepada Dana serta Pinjaman kepada Dana dan Ekuiti
Mudah Tunai Terkumpul di Bank Negara Malaysia (Akhir tempoh)
Pertumbuhan wang secara luas mampan pada bulan September M1 dan M3 Penyumbang Utama kepada Pertumbuhan
Tahunan M3
88.7
83.4
74.6
70
75
80
85
90
95
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
Nisbah Pinjaman kepada Deposit
Nisbah Pinjaman kepada Dana
Nisbah Pinjaman kepada Dana dan Ekuiti
%
Nota: Mulai bulan Julai 2015, pinjaman tidak termasuk pembiayaan oleh Akaun Pelaburan IslamSumber: Bank Negara Malaysia
60
100
140
180
220
260
300
340
380
420
460
500
540
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
RM bilion
Lain-lainSRRRepoNota Monetari Bank Negara (BNMN)Peminjaman Pasaran Wang (tidak termasuk repo)*
`
* Peminjaman Pasaran Wang (tidak termasuk repo) termasuk Peminjaman Langsung, Penerimaan Wadiah dan Program Komoditi Murabahah (CMP)Sumber: Bank Negara Malaysia
M1: 0.1M3: 2.2
-4-202468
101214161820
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
Pertumbuhan tahunan, (%)
Sumber: Bank Negara Malaysia
Nota: Mulai bulan Julai 2015, penyusunan M3 telah diselaraskan untuk tidak mengambil kira Akaun Pelaburan Islam (Islamic Investment Account, IA) disebabkan oleh pengelasan semula data. Ini dicerminkan sebagai sumbangan negatif melalui pengaruh lain. Garis titik mewakili pertumbuhan M3 sekiranya pengelasan semula ini tidak dilaksanakan.
M3 + IA: 4.1
Jul-15
-15
-10
-5
5
10
15
20
25
Sept
14
Dis
14
Mac
15
Jun
15
Sept
15
Dis
15
Mac
16
Jun
16
Sept
16
Pengaruh LainAset Asing BersihTuntutan ke atas Sektor SwastaTuntutan Bersih ke atas Kerajaan
Mataperatusan
Sumber: Bank Negara Malaysia
6
Permodalan sistem perbankan kekal kukuh dengan kualiti pinjaman stabil
Kekukuhan Modal Nisbah Pinjaman Terjejas Bersih dan Nisbah Perlindungan Kerugian Pinjaman1
Ringgit menyusut nilai berbanding dengan mata wang rakan perdagangan utama
Indeks Prestasi Ringgit Berbanding dengan Rakan Perdagangan Utama* Rizab Antarabangsa Bersih
13.3
14.2
16.7
8
9
10
11
12
13
14
15
16
17
18
Sept
14
Nov
14
Jan
15M
ac 1
5M
ei 1
5Ju
l 15
Sept
15
Nov
15
Jan
16M
ac 1
6M
ei 1
6Ju
l 16
Sept
16
Nisbah Modal Ekuiti Biasa Kumpulan 1
Nisbah Modal Kumpulan 1
Nisbah Jumlah Modal
%
Sumber: Bank Negara Malaysia
1.3
89.4
40
50
60
70
80
90
100
110
120
1
2
3
4
Sept
14
Nov
14
Jan
15M
ac 1
5M
ei 1
5Ju
l 15
Sept
15
Nov
15
Jan
16M
ac 1
6M
ei 1
6Ju
l 16
Sept
16
%%
Nisbah Pinjaman Terjejas Bersih
Nisbah Perlindungan Kerugian Pinjaman (skalakanan) 1
1 Merujuk kepada nisbah peruntukan jejas nilai kolektif dan individu kepada jumlah pinjaman terjejas
Sumber: Bank Negara Malaysia
75
80
85
90
95
100
105
110
Dis
12
Mei
13
Sept
13
Jan
14
Mei
14
Sept
14
Jan
15
Jun
15
Okt
15
Feb
16
Jun
16
Okt
16
Indeks (Dis 12 = 100)
menunjukkan ringgit menambah nilai
*Mata Wang: USD, CNY, SGD, JPY, EURSetiap mata wang mempunyai pemberat yang samaSumber: Bank Negara Malaysia
2
4
6
8
10
12
14
80
90
100
110
120
130
140
150
160
Jul 1
4
Okt
14
Jan
15
Apr 1
5
Jul 1
5
Okt
15
Jan
16
Apr 1
6
Jul 1
6
14 O
kt
Bulan/Kali
USD bilion
Rizab Antarabangsa Bersih (skala kiri)
Tampungan Import Tertangguh
Rizab Berbanding dengan Hutang LuarNegeri Jangka Pendek
14 Okt:USD97.8 bn
Sumber: Bank Negara Malaysia
8.5 bulan
1.2 kali
7
Jumlah terkumpul
Pertumbuhan tahunan
Jumlah terkumpul
Pertumbuhan tahunan
Jumlah terkumpul
Pertumbuhan tahunan
(RM bil) (%) (RM bil) (%) (RM bil) (%)
Wang rizab 135.3 1.9 134.2 -0.4 136.0 1.8
M1 354.2 2.0 354.9 1.0 358.3 0.1
M2 1,586.6 2.0 1,591.7 2.3 1,609.7 2.2
M3 1,597.8 2.3 1,599.8 2.4 1,617.5 2.2
Pembiayaan bersih1 2,113.4 6.8 2,127.5 6.3 2,144.0 6.5
Nisbah pinjaman kepada deposit (%) !
Nisbah Pinjaman kepada dana (%) 2&3
Nisbah Pinjaman kepada dana dan ekuiti (%) 2,3&4
Pinjaman terkumpul dalam RM bilion 1,467.3 5.1 1,472.1 4.2 1,483.8 4.2
Pinjaman yang dipohon (pada tempoh berkenaan) 61.2 -18.0 74.5 -1.2 68.2 -8.7
Pinjaman yang diluluskan (pada tempoh berkenaan) 26.5 -19.4 31.5 0.4 29.6 -8.2
Pinjaman yang dikeluarkan (pada tempoh berkenaan) 77.1 -11.0 82.8 -6.0 92.4 -6.5
Pinjaman yang dibayar balik (pada tempoh berkenaan) 78.4 -6.5 82.3 4.9 86.7 -6.6
Nisbah jumlah modal (%) 5
Nisbah modal kumpulan 1 (%) 5
Nisbah modal ekuiti biasa kumpulan 1 (%) 5
Nisbah pinjaman terjejas bersih (%)
Rizab bersih dalam RM bilion
Rizab bersih dalam Dolar AS bilion (bersamaan)
Bilangan bulan import tertangguh
Kadar Dasar Semalaman (OPR)
Antara bank: Semalaman 2.94 [2.99] 2.98 [2.93] 2.99 [2.97]
1 minggu 3.02 [3.10] 3.03 [3.02] 3.03 [3.03]
1 bulan 3.06 [3.15] 3.08 [3.08] 3.08 [3.09]
Deposit tetap bank perdagangan: 1 bulan
3 bulan
Kadar pinjaman asas (BLR) bank perdagangan
Kadar asas berwajaran 6
Kadar pinjaman purata berwajaran bank perdagangan
Indeks Harga Pengguna (IHP) (2010=100) 115.1 1.1 115.6 1.5 115.3 1.5
2 Deposit tidak termasuk deposit yang diterima daripada institusi perbankan. Pinjaman tidak termasuk pinjaman yang dijual kepada Cagamas dan pinjaman yang
diberikan kepada institusi perbankan. Mulai Julai 2015, pinjaman tidak temasuk pembiayaan oleh Akaun Pelaburan Islam3 Dana terdiri daripada deposit dan semua instrumen hutang (termasuk hutang subordinat, sijil hutang/sukuk yang diterbitkan, kertas komersial dan nota berstruktur)
4 Ekuiti terdiri daripada saham biasa dan saham keutamaan, premium saham dan perolehan tertahan
5 Mulai bulan Januari 2013, komponen modal dilaporkan berdasarkan Rangka Kerja Kecukupan Modal Basel III
Sumber: Bank Negara Malaysia
6 Pada 2 Januari 2015, Kadar Asas telah menggantikan Kadar Pinjaman Asas (BLR) sebagai kadar rujukan utama untuk pinjaman runcit berkadar terapung baharu dan kemudahan pembiayaan baharu. Wajaran berdasarkan bahagian setiap bank daripada semua pinjaman berkadar terapung terkumpul
1 Terdiri daripada pinjaman sistem perbankan dan institusi kew angan pembangunan (IKP) dan bon korporat terkumpul (tidak termasuk bukan pemastautin dan terbitan Cagamas)
Harga
2.87
3.62
5.28
2.98
3.60
5.31
3.00
2.92
8.1
2.90
8.1
3.00
89.0
13.4
391.9
13.5
88.8
14.3
Perangkaan Utama Monetari dan KewanganJul 16 Ogos 16 Sept 16
83.4
74.6
83.783.3
Agregat Monetari
Sistem Perbankan
16.8
Keadaan Sistem Perbankan
88.7
14.4 14.2
13.3
74.3 74.7
17.0 16.7
1.3
391.0
1.31.3
97.5 97.797.3
Rizab Antarabangsa BNM (akhir tempoh)404.9
5.27
8.4
Kadar Faedah pada akhir tempoh [purata bagi bulan]3.00
6.656.69
3.60
2.87
6.65
2.87
8
MONETARY AND FINANCIAL DEVELOPMENTS SEPTEMBER 2016
1 Refers to the redefined short-term external debt, which includes short-term offshore borrowing, non-resident holdings of short-term ringgit debt securities, non-resident deposits with the banking system and other short-term debt. For more information, please refer to the box article titled ‘The Redefinition of External Debt’ in the Quarterly Bulletin on Economic and Financial Developments in the Malaysian Economy in the First Quarter of 2014
Price ConditionsHeadline inflation, as measured by the annual percentage change in the Consumer Price Index (CPI), was unchanged at 1.5% in September 2016 (August: 1.5%). Inflation in the food and non-alcoholic beverages category was lower at 3.0% in September 2016 (August: 3.5%) due to the decline in prices across most food sub-categories following improved supply conditions. The transport category registered a smaller negative inflation of 5.5% (August: -6.7%), given the smaller price decline in domestic fuel prices in September 2016 compared to that of the same period in 2015.
Monetary ConditionsInterbank rates beyond the 1-month tenure were relatively stable during the month. The weighted average base rate (BR) of commercial banks remained unchanged at 3.60% while the weighted average lending rate (ALR) remained steady at 5.27% in September (August: 5.28%). Net financing to the private sector registered an annual growth of 6.5% in September (August: 6.3%). This was driven by the higher growth in net outstanding corporate bonds during the month amid stable growth of loans extended by the banking system and development financial institutions (DFIs). The outstanding business loans of the banking system recorded an annual increase of 2.0% (August: 1.9%), with a larger volume of loans extended to real estate; agriculture; manufacturing; and finance, insurance and business services sectors. In particular, both the annual growth in outstanding SME loans and the level of loans disbursed to SMEs continued to improve. For households, outstanding loans by the banking system grew at a slower pace of 5.6% in September (August: 5.7%), reflecting the moderation in the annual growth of outstanding loans for the purchase of residential property; passenger cars; and non-residential property. The level of loan applications and loan approvals declined during the month for both businesses and households to RM68.2 billion (August: RM74.5 billion; monthly average for January - August 2016: RM67.0 billion) and RM29.6 billion (August: RM31.5 billion; monthly average for January - August 2016: RM28.0 billion), respectively. Broad money (M3) recorded an annual growth of 2.2% in September (August: 2.4%). The expansion in M3 was driven mainly by the continued extension of credit to the private sector by the banking system. The expansion, however, was partially offset by the issuance of equity by banks and the continued growth of Islamic Investment Accounts as reflected in other influences.
Banking SystemThe banking system maintained strong capitalisation. The Common Equity Tier 1 Capital Ratio, Tier 1 Capital Ratio and Total Capital Ratio stood at 13.3%, 14.2% and 16.7% respectively. Net impaired loans accounted for 1.3% of net loans while loan loss coverage ratio stood at 89.4%. Taking into account regulatory reserves for loans and financing, banks maintain sufficient buffers for potential credit losses.
Exchange Rates and International ReservesIn September, the ringgit depreciated against the US dollar and most of the major and regional currencies. The depreciation of the ringgit against the US dollar during the month was mainly due to portfolio outflows amid adverse investor sentiments following the decline in global crude oil prices. During the month, regional financial markets and currencies were also affected by the uncertainty ahead of the US Federal Open Market Committee (FOMC) meeting in September. The international reserves of Bank Negara Malaysia amounted to RM405.6 billion (equivalent to USD97.8 billion) as at 14 October 2016. This level remains ample to facilitate international transactions and is sufficient to finance 8.5 months of retained imports and is 1.2 times the short-term external debt1.
9
Stable headline inflation in September
Headline Inflation Headline Inflation: Component Contribution
-1.2-1.0-0.8-0.6-0.4-0.20.00.20.40.60.81.01.2
Food
and
non
-alc
ohol
icbe
vera
ges
Tran
spor
t
Hou
sing
and
util
ities
Alco
holic
bev
erag
esan
d to
bacc
o
Oth
ers*
% points
Aug 2016 Sep 2016
Others includes restaurants and hotels; recreation services and culture; education; health; furnishings, household equipment and routine household maintenance; communication; clothing and footwear; and miscellaneous goods and services
Source: Bank Negara Malaysia
Interbank rates beyond the 1-month tenure were stable in September
Daily Weighted Average Overnight Interbank Rate Average Interbank Rate
2.0
2.5
3.0
3.5
4.0
Jan
13
May
13
Sep
13
Jan
14
May
14
Sep
14
Jan
15
Jun
15
Oct
15
Feb
16
Jun
16
Oct
16
%
Floor rate of the corridor for the OPR
Ceiling rate of the corridor for the OPR
28 Oct: 2.99%
Source: Bank Negara Malaysia
3.03
3.09
3.31
2.8
3.0
3.2
3.4
3.6
3.8
4.0
Sep
14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16
%1 week1 month3 month
Note: For periods during the month where no trade took place, the last traded interbank rate is used
Source: Bank Negara Malaysia
10
2.0
5.6
2
4
6
8
10
12
14
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
Businesses
Households
Source: Bank Negara Malaysia
Annual growth (%)
Deposit Rates of Commercial Banks
Lending Rates of Commercial Banks
2.92
0.96
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
1.8
2.0
2.5
2.7
2.9
3.1
3.3
3.5
3.7
3.9
4.1
4.3
4.5Se
p 14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16
%
3M FD rate
Savings Rate (RHS)
Source: Bank Negara Malaysia
%
6.65
5.27
3.603.0
3.5
4.0
4.5
5.0
5.5
6.0
6.5
7.0
7.5
Sep
14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16
%
Base Lending Rate
Weighted Average Lending Rate
Weighted Base Rate
1 On 2 January 2015, the Base Rate (BR) replaced the Base Lending Rate (BLR) as the reference rate for new retail floating-rate loans and financing facilities
2 Weights are based on individual banks' share of all outstanding floating-rate loans
1,2
Source: Bank Negara Malaysia
Higher growth of net financing in September Net Financing and Outstanding Loans Outstanding Loans of the Banking System
4.2
2
4
6
8
10
12
14
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
Total Net Financing*
Total Banking System Loans
* Net financing comprises banking system and DFI loans, and corporate bonds outstanding (excluding non-residents and Cagamas)
Annual growth (%)
6.5
Source: Bank Negara Malaysia
11
10
20
30
40
50
60
70
80
90
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
RM billion
Businesses*
Households
* Includes domestic non-bank financial institutions,Government, domestic financial institutions, other domestic entities and foreign entities
Source: Bank Negara Malaysia
5
10
15
20
25
30
35
40
45
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
RM billion
Businesses*
Households
* Includes domestic non-bank financial institutions,Government, domestic financial institutions, other domestic entities and foreign entities
Source: Bank Negara Malaysia
20
40
60
80
100
120
140
160Se
p 14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
RM billion
EquityGross corporate bonds*Loan disbursem*nts
* Excluding non-residents and Cagamas issuances
Source: Bank Negara Malaysia
20
40
60
80
100
120
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
RM billion
Businesses*
Households
* Includes domestic non-bank financial institutions,Government, domestic financial institutions, other
domestic entities and foreign entities
Source: Bank Negara Malaysia
Gross Private Sector Financing
Loan Disbursem*nts by the Banking System
!
Loan Applications to the Banking System Loan Approvals by the Banking System
12
-15
-10
-5
5
10
15
20
25
Sep
14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16Other InfluencesNet Foreign AssetsClaims on Private SectorNet Claim on Govt
Percentage points
Source: Bank Negara Malaysia
Liquidity in the banking system remained ample
Loan to Deposit, Loan to Fund and Loan to Fund and Equity Ratios
Outstanding Liquidity Placed with Bank Negara Malaysia (at end-period)
88.7
83.4
74.6
70
75
80
85
90
95
Sep
14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16
Loan to Deposit Ratio
Loan to Fund Ratio
Loan to Fund and Equity Ratio
%
Note: From July 2015 onwards, loans exclude financing funded by Islamic Investment AccountsSource: Bank Negara Malaysia
60
100
140
180
220
260
300
340
380
420
460
500
540
Sep
14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16
RM billion
Others
SRR
Repos
Bank Negara Monetary Notes (BNMN)
Money Market Borrowings (excluding repos)*
`
* Money Market Borrowings (excluding repos) include Direct Borrowing, Wadiah Acceptances and Commodity Murabahah Programme (CMP)Source: Bank Negara Malaysia
Broad money growth was sustained in September M1 and M3 Main Contributors to M3 Annual Growth
M1: 0.1
M3: 2.2
-4-202468
101214161820
Sep
14
Dec
14
Mar
15
Jun
15
Sep
15
Dec
15
Mar
16
Jun
16
Sep
16
Note: From July 2015 onwards, the compilation of M3 is adjusted to exclude Islamic Investment Accounts (IA) due to a data reclassification exercise. This is reflected as a negative contribution through 'other influences'. The dotted line represents M3 growth had this reclassification not taken place.
M3 + IA: 4.0
Annualgrowth, (%)
Source: Bank Negara Malaysia
13
Banking system capitalisation remained strong with stable loan quality
Capital Strength
Net Impaired Loans Ratio and Loan Loss Coverage Ratio1
13.3
14.2
16.7
8
9
10
11
12
13
14
15
16
17
18
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16Common Equity Tier 1 Capital Ratio
Tier 1 Capital Ratio
Total Capital Ratio
%%
Source: Bank Negara Malaysia
1.3
89.4
40
50
60
70
80
90
100
110
120
1
2
3
4
Sep
14
Nov
14
Jan
15
Mar
15
May
15
Jul 1
5
Sep
15
Nov
15
Jan
16
Mar
16
May
16
Jul 1
6
Sep
16
%%
Net Impaired Loans Ratio
Loan Loss Coverage Ratio (RHS)1
1 Refers to ratio of individual plus collective impairment provisions to total impaired loans
Source: Bank Negara Malaysia
The ringgit depreciated against the currencies of major trade partners
Index of Ringgit Performance against Major Trade Partners* Net International Reserves
75
80
85
90
95
100
105
110
Dec
12
May
13
Sep
13
Jan
14
May
14
Sep
14
Jan
15
Jun
15
Oct
15
Feb
16
Jun
16
Oct
16
Index (Dec 12 = 100)
indicates MYR appreciation
Each currency carries equal weight*Currencies: USD, CNY, SGD, JPY, EUR
Source: Bank Negara Malaysia
2
4
6
8
10
12
14
80
90
100
110
120
130
140
150
160
Jul 1
4
Oct
14
Jan
15
Apr 1
5
July
15
Oct
15
Jan
16
Apr 1
6
July
16
14 O
ct
Months/ Times
USD billion
Net International Reserves (LHS)
Retained Import Cover
Reserves/ST Ext Debt
14 Oct:USD97.8 bn
Source: Bank Negara Malaysia
8.5 months
1.2 times
14
O/stg Ann. growth O/stg Ann. growth O/stg Ann. growth
(RM bil) (%) (RM bil) (%) (RM bil) (%)
Reserve money 135.3 1.9 134.2 -0.4 136.0 1.8M1 354.2 2.0 354.9 1.0 358.3 0.1M2 1,586.6 2.0 1,591.7 2.3 1,609.7 2.2M3 1,597.8 2.3 1,599.8 2.4 1,617.5 2.2
Net financing1 2,113.4 6.8 2,127.5 6.3 2,144.0 6.5
Loan to deposit ratio (%) 2
Loan to fund ratio (%) 2&3
Loan to fund and equity ratio (%) 2,3&4
Loans outstanding in RM billion 1,467.3 5.1 1,472.1 4.2 1,483.8 4.2Loans applied (during the period) 61.2 -18.0 74.5 -1.2 68.2 -8.7Loans approved (during the period) 26.5 -19.4 31.5 0.4 29.6 -8.2Loans disbursed (during the period) 77.1 -11.0 82.8 -6.0 92.4 -6.5Loans repaid (during the period) 78.4 -6.5 82.3 4.9 86.7 -6.6
Total capital ratio (%) 5
Tier 1 capital ratio (%) 5
Common equity tier 1 capital ratio (%) 5
Net impaired loans ratio (%)
Net Reserves in RM billionNet Reserves in USD billion (equivalent)Months of retained imports
Overnight Policy Rate (OPR)Interbank: Overnight 2.94 [2.99] 2.98 [2.93] 2.99 [2.97]
1-week 3.02 [3.10] 3.03 [3.02] 3.03 [3.03]1-month 3.06 [3.15] 3.08 [3.08] 3.08 [3.09]
Fixed deposits of commercial banks: 1-month3-month
BLR of commercial banks
Weighted Base Rate 6
Weighted ALR of commercial banks
Consumer Price Index (CPI) (2010=100) 115.1 1.1 115.6 1.5 115.3 1.5
2 Deposits exclude deposits accepted from banking institutions. Loans exclude loans sold to Cagamas and loans extended to banking institutions.
Beginning July 2015, loans exclude financing funded by Islamic Investment accounts3 Funds comprise deposits and all debt instruments (including subordinated debt, debt certificates/ sukuk issued, commercial paper and structured notes)4 Equity comprises ordinary and preferred shares, share premium and retained earnings
5 Beginning January 2013, capital components are reported based on Basel III Capital Adequacy Framework
Source: Bank Negara Malaysia
6 On 2 January 2015, the Base Rate (BR) replaced the Base Lending Rate (BLR) as the main reference rate for new retail floating-rate loans and financing facilities. Weights are based on individuals banks' share of all outstanding floating-rate loans
1 Comprises banking system and development financial institutions (DFI) loans outstanding and corporate bond outstanding (excludes non-resident and Cagamas issuances)
74.7
97.38.4
3.626.69
3.60
2.922.98
Prices
5.31
6.65
5.28
6.65
5.273.60
3.00
8.1
2.87
17.0
13.4
BNM International Reserves (end-period)
Interest Rates at end-period [average for the month]3.00
2.87
14.4
3.00
Aug 16 Sep 16
83.4
16.7
1.3
Banking System Health
88.7
16.814.3
Key Monetary and Financial Statistics
83.3 83.7
Banking System
Monetary Aggregates
Jul 16
88.8 89.0
74.3 74.6
14.213.3
1.3
2.902.87
97.5
13.51.3
8.1
391.0 404.9391.997.7
15
1.1 Wang RizabReserve Money
Wang RizabReserve Money
RM juta / RM million
Jumlah Tuntutan ke atas Kerajaan
Tolak: Deposit Kerajaan
Total Claims on Government
Less: Deposits of Government
2013 115,825.8 62,438.3 42,622.0 10,765.5 - (5,254.4) 1,852.1 7,106.5 5,876.4 435,062.6 (319,858.8) 2014 124,759.9 67,825.8 46,532.0 10,402.1 - (2,808.9) 2,454.7 5,263.6 5,640.7 400,059.5 (278,131.5) 2015 137,326.7 76,351.3 48,881.4 12,094.0 - (8,296.1) 1,916.8 10,212.9 5,892.0 401,086.7 (261,355.8)
2014 9 121,272.2 65,304.7 46,486.0 9,481.5 - (9,068.4) 1,851.9 10,920.3 5,678.9 410,321.5 (285,659.8) 10 120,654.5 65,589.6 46,210.8 8,854.0 - (11,754.9) 2,158.8 13,913.8 5,678.8 413,099.5 (286,368.9) 11 122,651.6 66,862.7 46,885.5 8,903.5 - (10,322.5) 2,158.8 12,481.3 5,731.1 405,089.1 (277,846.1) 12 124,759.9 67,825.8 46,532.0 10,402.1 - (2,808.9) 2,454.7 5,263.6 5,640.7 400,059.5 (278,131.5)
2015 1 132,733.0 70,798.2 49,092.7 12,842.0 - (5,361.3) 2,325.2 7,686.5 5,674.3 379,637.8 (247,217.9) 2 133,633.8 74,437.5 48,563.4 10,632.9 - (4,043.7) 2,325.2 6,368.9 5,711.3 379,158.7 (247,192.5) 3 131,359.7 71,689.9 48,876.3 10,793.6 - (5,991.1) 2,325.2 8,316.3 5,780.7 382,794.1 (251,223.9) 4 132 688 8 72 354 1 49 331 5 11 003 2 - (8 338 4) 2 325 2 10 663 6 5 828 6 385 492 4 (250 293 8)
1.1
Pada akhir tempoh Jumlah Wang Rizab
Komponen Wang Rizab Faktor-faktor yang Mempengaruhi Wang RizabComponents of Reserve Money Factors Affecting Reserve Money
Mata Wang dalam Edaran Rizab Berkanun Lebihan Rizab Deposit oleh Sektor
SwastaTuntutan Bersih ke atas Kerajaan Tuntutan ke atas
Sektor Swasta Operasi Luar2 Pengaruh LainNet Claims on Government
Claims on the Private Sector
External Operations 2 Other InfluencesEnd of period Total Reserve
MoneyCurrency in Circulation Required Reserves Excess Reserves Deposits of the
Private Sector
4 132,688.8 72,354.1 49,331.5 11,003.2 - (8,338.4) 2,325.2 10,663.6 5,828.6 385,492.4 (250,293.8) 5 131,332.8 73,277.8 49,061.9 8,993.1 - (15,500.1) 2,325.2 17,825.3 5,846.9 387,441.8 (246,455.8) 6 132,370.0 72,543.9 48,330.1 11,496.1 - (19,308.2) 2,474.2 21,782.4 5,898.8 391,023.9 (245,244.4) 7 132,838.2 73,844.9 48,802.0 10,191.4 - (17,461.8) 2,474.2 19,936.0 5,911.4 357,576.4 (213,187.7) 8 134,809.7 74,983.9 49,664.8 10,161.0 - (13,184.5) 2,680.8 15,865.3 5,912.0 350,578.3 (208,496.1) 9 133,681.0 74,652.7 48,847.1 10,181.2 - (4,160.0) 2,346.7 6,506.7 5,967.5 406,784.4 (274,910.9) 10 134,551.2 75,334.2 49,552.3 9,664.8 - (8,499.4) 2,116.8 10,616.2 5,943.8 409,593.8 (272,486.9) 11 134,556.3 75,352.5 48,625.2 10,578.6 - (8,191.6) 1,916.7 10,108.4 5,973.7 411,766.5 (274,992.3) 12 137,326.7 76,351.3 48,881.4 12,094.0 - (8,296.1) 1,916.8 10,212.9 5,892.0 401,086.7 (261,355.8)
2016 1 144,086.8 81,405.8 50,022.3 12,658.7 - (2,440.3) 1,877.1 4,317.4 5,948.6 402,050.1 (261,471.6) 2 133,460.4 80,008.0 42,031.1 11,421.3 - (6,223.6) 2,019.5 8,243.1 6,031.5 402,409.4 (268,757.0) 3 129,960.0 78,568.2 41,572.2 9,819.6 - (8,204.4) 2,049.7 10,254.1 6,095.9 374,155.3 (242,086.8) 4 133,161.7 79,577.5 43,524.0 10,060.2 - (6,568.2) 2,049.6 8,617.8 6,187.5 373,921.6 (240,379.3) 5 131,402.0 79,335.1 41,224.0 10,843.0 - (11,877.7) 2,077.2 13,955.0 6,282.5 375,185.4 (238,188.1) 6 136,532.2 82,685.7 42,327.2 11,519.3 - (7,005.6) 2,899.6 9,905.3 6,366.1 382,775.3 (245,603.6) 7 135,303.6 81,065.3 43,722.4 10,515.8 - (8,044.0) 1,643.0 9,687.1 6,405.0 383,490.1 (246,547.4) 8 134,240.0 80,687.2 42,938.0 10,614.8 - (17,618.9) 1,643.0 19,261.9 6,488.4 384,344.4 (238,973.9) 9 136,025.8 82,046.2 42,851.7 11,127.8 - (3,908.1) 1,643.0 5,551.2 6,585.7 397,159.5 (263,811.4)
1 Data pada tahun 1997, tidak termasuk penilaian semula kerugian/keuntungan kadar pertukaran mata wang asing berjumlah RM24.6 bilion.2 Tuntutan Mata Wang Asing Lain Terhadap Pemastautin kini diklasifikasikan semula daripada Rizab Antarabangsa kepada Aset-aset Lain.* Berkuatkuasa mulai 15 September 1998, berikutan penetapan kadar pertukaran Ringgit/Dolar Amerika pada RM3.80, semua harta dan
tanggungan dalam mata wang asing telah dinilai semula kepada ringgit mengikut kadar pertukaran pada tarikh pelaporan dan keuntungankadar pertukaran tersebut telah diambilkira dalam rekod perakaunan Bank.
^ Berkuatkuasa mulai tahun 1999, semua harta dan tanggungan dalam mata wang asing hanya akan dinilai pada akhir setiap suku tahun.
Nota: Kalendar siaran awal bagi kategori data ini boleh didapati di laman web DSBB-IMF (http://dsbb.imf.org).
1 Data in 1997, does not include exchange rate revaluation loss/gains of RM24.6 billion.2 The Other Foreign Currency Claims on Residents is now reclassified from International Reserves to Other Assets.* Effective from 15 September 1998, following the fixing of the Ringgit/US Dollar exchange rate at RM3.80, all assets and liabilities in foreign
currencies have been revalued into ringgit at rates of exchange prevailing on the reporting date and the exchange revaluation gain has been reflected in the Bank's records.
^ Effective from 1999, all foreign assets and liabilities are only revalued at the end of each quarter.
Note: An advance release calendar for this data category is published on the IMF's Dissemination Standards Bulletin Board (http://dsbb.imf.org).
16
Mata Wang Dalam Edaran mengikut Jenis Nilai1Currency in Circulation by Denomination11.2 Mata Wang Dalam Edaran mengikut Jenis Nilai1
Currency in Circulation by Denomination 1
RM juta / RM million
Mata Wangdalam Edaran
RM112 RM29 RM512 RM1012 RM207,12 RM5010 RM10012 RM5007 RM1,0002 1 sen 5 sen11 10 sen11 20 sen11 50 sen11 RM13 RM53 RM106 RM154 RM254,8 RM1003 RM2006 RM2505 RM5004
2013 73,030.9 1,859.6 127.2 1,520.8 4,396.6 1,571.2 35,276.7 25,742.1 74.8 24.8 43.4 151.5 593.9 743.7 797.3 32.9 9.7 2.8 1.4 14.9 11.5 12.8 8.4 13.22014 77,734.6 1,905.5 126.5 1,575.1 4,418.3 1,626.4 36,375.3 29,003.1 74.8 24.5 43.4 160.3 631.3 799.5 862.5 32.7 9.7 2.9 1.4 14.9 12.0 12.8 8.4 13.22015 88,157.4 2,033.2 126.3 1,734.8 4,890.9 2,074.4 40,570.5 33,810.5 74.8 24.5 43.3 173.1 677.0 868.1 947.6 32.7 9.7 3.0 1.4 14.9 12.3 12.8 8.4 13.2
2014 9 74,633.0 2,025.3 126.6 1,654.6 4,450.9 1,563.7 34,700.5 27,447.2 74.8 24.5 43.4 158.3 622.5 786.4 846.5 32.8 9.7 2.9 1.4 14.9 11.8 12.8 8.4 13.210 74,331.0 1,966.1 126.6 1,614.4 4,391.4 1,555.1 34,414.3 27,586.7 74.8 24.5 43.4 158.9 625.2 790.2 851.6 32.7 9.7 2.9 1.4 14.9 11.8 12.8 8.4 13.211 75,624.9 1,922.2 126.6 1,585.6 4,369.4 1,567.6 35,247.4 28,117.4 74.8 24.5 43.4 159.7 627.9 794.2 856.4 32.7 9.7 2.9 1.4 14.9 11.9 12.8 8.4 13.212 77,734.6 1,905.5 126.5 1,575.1 4,418.3 1,626.4 36,375.3 29,003.1 74.8 24.5 43.4 160.3 631.3 799.5 862.5 32.7 9.7 2.9 1.4 14.9 12.0 12.8 8.4 13.2
2015 1 83,086.7 2,091.1 126.5 1,869.4 5,219.9 1,754.3 38,264.9 31,038.3 74.8 24.5 43.4 161.2 635.4 805.2 869.8 32.7 9.7 2.9 1.4 14.9 12.0 12.8 8.4 13.22 84,665.9 2,132.4 126.5 1,937.4 5,418.3 1,797.9 39,014.4 31,502.7 74.8 24.5 43.4 162.1 638.4 809.8 875.3 32.7 9.7 2.9 1.4 14.9 12.1 12.8 8.4 13.23 81,554.5 2,043.8 126.5 1,834.1 5,065.5 1,687.8 37,251.9 30,791.2 74.8 24.5 43.4 162.8 642.3 815.7 882.3 32.7 9.7 2.9 1.4 14.9 12.1 12.8 8.4 13.24 82,811.2 1,989.4 126.4 1,770.6 4,930.6 1,716.6 38,310.4 31,194.9 74.8 24.5 43.4 163.6 646.5 821.7 889.8 32.7 9.7 2.9 1.4 14.9 12.1 12.8 8.4 13.25 81,849.2 1,959.8 126.4 1,736.4 4,823.7 1,666.3 37,722.0 31,024.7 74.8 24.5 43.4 164.6 650.4 827.6 896.5 32.7 9.7 2.9 1.4 14.9 12.1 12.8 8.4 13.2
1.2Pada akhir
tempoh Wang kertas / Notes Duit syiling / Coins
End ofperiod
Currency in
Circulation
5 81,849.2 1,959.8 126.4 1,736.4 4,823.7 1,666.3 37,722.0 31,024.7 74.8 24.5 43.4 164.6 650.4 827.6 896.5 32.7 9.7 2.9 1.4 14.9 12.1 12.8 8.4 13.26 83,873.9 2,236.6 126.4 1,932.0 5,067.9 1,755.8 38,273.0 31,671.4 74.8 24.5 43.4 166.1 654.8 834.4 904.6 32.7 9.7 2.9 1.4 14.9 12.2 12.8 8.4 13.27 83,828.6 2,349.0 126.4 2,002.5 5,091.3 1,771.7 38,046.8 31,613.1 74.8 24.5 43.4 167.2 658.4 839.8 911.5 32.7 9.7 3.0 1.4 14.9 12.2 12.8 8.4 13.28 84,882.9 2,235.4 126.4 1,900.4 4,900.4 1,741.5 38,858.7 32,274.5 74.8 24.5 43.3 168.6 662.1 845.8 918.2 32.7 9.7 3.0 1.4 14.9 12.2 12.8 8.4 13.29 84,674.7 2,133.0 126.4 1,823.6 4,830.7 1,723.8 38,697.3 32,476.5 74.8 24.5 43.3 170.1 665.9 851.5 925.2 32.7 9.7 3.0 1.4 14.9 12.2 12.8 8.4 13.2
10 84,773.9 2,077.4 126.3 1,773.9 4,789.5 1,924.3 38,435.4 32,765.4 74.8 24.5 43.3 171.3 669.7 857.1 932.8 32.7 9.7 3.0 1.4 14.9 12.2 12.8 8.4 13.211 85,672.8 2,040.3 126.3 1,747.3 4,755.4 1,983.5 38,977.9 33,144.3 74.8 24.5 43.3 172.1 673.1 862.1 939.5 32.7 9.7 3.0 1.4 14.9 12.3 12.8 8.4 13.212 88,157.4 2,033.2 126.3 1,734.8 4,890.9 2,074.4 40,570.5 33,810.5 74.8 24.5 43.3 173.1 677.0 868.1 947.6 32.7 9.7 3.0 1.4 14.9 12.3 12.8 8.4 13.2
2016 1 93,644.5 2,264.3 126.3 2,102.3 5,966.6 2,286.3 42,340.1 35,625.1 74.8 24.5 43.3 174.2 680.4 873.6 954.4 32.7 9.7 3.0 1.4 14.9 12.3 12.8 8.4 13.22 91,184.1 2,212.1 126.3 2,054.0 5,674.8 2,168.1 40,862.9 35,136.5 74.8 24.5 43.3 175.4 683.7 878.5 961.0 32.7 9.7 3.0 1.4 14.9 12.3 12.8 8.4 13.23 88,187.8 2,143.2 126.2 1,964.1 5,306.6 2,080.3 38,989.3 34,607.6 74.8 24.5 43.3 176.8 688.0 885.0 969.7 32.6 9.7 3.0 1.4 14.9 12.3 12.8 8.4 13.24 89,393.6 2,104.6 126.1 1,906.9 5,218.4 2,117.0 39,915.5 35,016.3 74.8 24.5 43.3 178.2 691.5 890.6 977.5 32.6 9.7 3.0 1.4 14.9 12.4 12.8 8.4 13.25 89,955.0 2,207.7 126.1 1,965.6 5,271.0 2,125.9 39,992.0 35,259.9 74.8 24.5 43.3 179.4 695.5 896.0 984.8 32.7 9.7 3.1 1.4 14.9 12.5 12.8 8.4 13.26 93,585.2 2,462.9 126.1 2,169.8 5,492.3 2,237.7 41,511.3 36,559.2 74.8 24.5 43.3 180.8 699.4 901.6 993.0 32.7 9.7 3.1 1.4 14.9 12.5 12.8 8.4 13.27 91,259.9 2,435.9 126.1 2,123.2 5,257.3 2,176.6 40,286.3 35,813.7 74.8 24.5 43.3 181.7 702.5 906.0 999.5 32.6 9.7 3.1 1.4 14.9 12.5 12.8 8.4 13.28 91,059.0 2,332.3 126.1 2,009.9 5,079.6 2,217.3 40,168.5 36,068.1 74.8 24.5 43.3 182.7 705.8 911.3 1,006.3 32.6 9.7 3.1 1.4 14.9 12.5 12.8 8.4 13.29 92,177.3 2,261.0 126.1 1,945.0 5,029.9 2,279.8 40,645.7 36,815.7 74.8 24.5 43.3 183.8 709.0 916.5 1,013.7 32.6 9.7 3.1 1.4 14.9 12.5 12.8 8.4 13.2
1 Bank Negara Malaysia mula mengeluarkan mata wang (Malaysia) pada 12 Jun 1967.2 Bank Negara Malaysia mula mengeluarkan wang kertas RM1,000 pada 2 September 1968.3 Duit syiling satu ringgit dikeluarkan mulai 27 Januari 1969 dan duit syiling RM5 dan RM100 dikeluarkan mulai 30 Ogos 1971.4 Duit syiling RM15, RM25 dan RM500 dikeluarkan mulai 19 Januari 1976.5 Duit syiling RM250 dikeluarkan mulai 18 Oktober 1976.6 Duit syiling RM10 dan RM200 dikeluarkan mulai 15 Disember 1976.7 Wang kertas RM20 dan RM500 dikeluarkan mulai 1 September 1982.8 Termasuk duit syiling RM20 yang dikeluarkan pada 1 Disember 1981 dan duit syiling RM30 yang dikeluarkan pada 31 Januari 1989.9 Wang kertas RM2 dikeluarkan mulai 5 Februari 1996.10 Wang kertas siri baharu RM50 dikeluarkan mulai 24 Disember 2007.11 Duit syiling siri baharu 5sen, 10sen, 20sen dan 50sen dikeluarkan mulai 16 Januari 2012.12 Wang kertas siri baharu RM1, RM5, RM10, RM20, RM100 dikeluarkan mulai 16 July 2012.
1 Bank Negara Malaysia commenced the issue of Malaysia currency on 12 June 1967.2 Bank Negara Malaysia commenced the issue of RM1,000 notes on 2 September 1968.3 The one ringgit coin was issued from 27 January 1969 and the RM5 and RM100 was issued from 30 August 1971.4 The RM15, RM25 and RM500 coins was issued from 19 January 1976.5 The RM250 coin was issued from 18 October 1976.6 The RM10 and RM200 coins was issued from 15 December 1976.7 The RM20 and RM500 notes was issued from 1 September1982.8 Includes the RM20 coin issued on 1 December 1981 and the RM30 coin issued on 31 January 1989.9 The RM2 note was issued from 5 February 1996.10 The new banknote series RM50 was issued from 24 December 2007.11 The new coin series 5cent, 10cent, 20cent and 50cent coins was issued from 16 Juanuary 2012.12 The new banknote series RM1, RM5, RM10, RM20, RM100 was issued from 16 July 2012.
17
1.3 Agregat Kewangan: M1, M2 dan M3Monetary Aggregates: M1, M2 and M3
Agregat Kewangan: M1, M2 dan M3Monetary Aggregates: M1, M2 and M3
RM juta / RM million
Jumlah Deposit tabungan Deposit tetap NID RepoDeposit mata wang asing2 Lain-lain deposit3
Total Total Total Currency in circulation Demand deposits Total Savings deposits Fixed deposits NIDs Repos
Foreign currency deposits 2 Other deposits 3
Deposits placed with other banking
institutions 4, 5
2014 1 1,464,408.9 1,447,905.3 331,995.5 71,356.5 260,639.1 1,115,909.8 135,785.3 672,170.2 17,958.1 420.2 81,436.6 208,139.4 16,503.6 2 1,460,142.2 1,444,810.7 325,880.7 66,678.1 259,202.6 1,118,929.9 137,590.3 673,476.5 17,994.9 441.6 85,099.4 204,327.2 15,331.5 3 1,473,982.2 1,459,864.1 327,064.2 66,327.5 260,736.7 1,132,799.9 136,956.0 679,618.5 18,074.4 49.7 88,880.3 209,221.0 14,118.1 4 1,483,962.1 1,469,619.4 325,494.9 65,609.1 259,885.8 1,144,124.5 137,093.0 687,109.2 17,741.1 515.4 89,574.7 212,091.1 14,342.8 5 1,491,872.3 1,476,642.7 324,030.9 66,197.7 257,833.2 1,152,611.9 135,260.4 685,784.6 24,304.6 2,789.2 91,368.2 213,105.0 15,229.5 6 1,493,519.9 1,479,547.5 329,259.9 65,531.2 263,728.7 1,150,287.6 136,128.2 679,784.5 18,011.5 1,146.4 93,801.6 221,415.4 13,972.5 7 1,503,683.5 1,489,302.3 331,856.8 68,323.9 263,532.9 1,157,445.6 136,394.8 681,048.3 18,006.4 2,205.4 97,961.6 221,829.1 14,381.1 8 1,494,121.5 1,480,834.2 322,962.4 66,890.9 256,071.4 1,157,871.9 134,136.6 687,515.9 20,785.8 1,033.4 91,166.0 223,234.2 13,287.3 9 1,503,932.1 1,492,807.3 330,415.5 65,701.7 264,713.8 1,162,391.7 134,290.7 687,702.4 21,676.7 0.0 92,522.7 226,199.2 11,124.9 10 1,516,474.6 1,504,906.8 327,548.6 65,928.1 261,620.5 1,177,358.2 132,410.2 698,886.9 23,835.9 0.0 90,696.6 231,528.6 11,567.8 11 1,527,814.2 1,517,096.0 330,932.8 67,175.9 263,756.9 1,186,163.1 131,721.4 707,468.7 25,269.6 0.0 91,190.8 230,512.6 10,718.3 12 1,553,807.4 1,544,160.0 346,415.9 68,170.0 278,245.8 1,197,744.1 134,931.4 712,239.6 24,707.6 195.7 96,275.0 229,394.9 9,647.4
2015 1 1,553,557.5 1,545,765.7 346,300.4 71,144.0 275,156.4 1,199,465.3 137,074.4 715,856.8 25,596.6 0.0 97,407.1 223,530.3 7,791.8 2 1 560 368 9 1 552 127 2 351 432 0 74 812 3 276 619 8 1 200 695 2 139 031 3 724 818 8 24 917 7 46 1 100 710 4 211 170 8 8 241 7
M1 Separuh Wang Secara Kecil1, 5
Akhir tempoh Narrow Quasi-Money 1
End of period
Jumlah Mata wang dalam edaran
Deposit permintaan
1.3M3
Jumlah
M2Deposit yang disimpan di
institusi perbankan yang lain4, 5
Jumlah
2 1,560,368.9 1,552,127.2 351,432.0 74,812.3 276,619.8 1,200,695.2 139,031.3 724,818.8 24,917.7 46.1 100,710.4 211,170.8 8,241.73 1,589,250.3 1,583,077.5 360,340.5 72,250.3 288,090.2 1,222,737.0 138,643.7 733,497.2 24,275.2 46.1 111,906.6 214,368.2 6,172.8 4 1,579,809.7 1,572,159.3 351,905.5 72,771.8 279,133.8 1,220,253.8 139,692.9 738,167.2 22,210.7 46.1 109,175.3 210,961.5 7,650.4 5 1,576,167.9 1,567,577.2 352,321.3 73,700.0 278,621.3 1,215,255.9 133,984.0 741,916.0 20,720.9 145.8 113,030.0 205,459.2 8,590.7 6 1,581,733.4 1,574,349.8 360,586.3 72,940.1 287,646.3 1,213,763.5 136,936.8 736,057.4 18,918.5 0.0 112,282.9 209,567.8 7,383.6 7 1,561,348.4 1,555,414.1 347,180.9 74,174.2 273,006.6 1,208,233.2 134,986.3 732,152.3 18,437.3 49.0 115,177.6 207,430.6 5,934.3 8 1,562,385.3 1,555,724.9 351,492.9 75,403.9 276,088.9 1,204,232.0 134,708.0 731,961.4 15,568.0 93.1 122,205.9 199,695.5 6,660.4 9 1,582,454.6 1,574,459.8 357,983.9 75,062.0 282,921.9 1,216,476.0 136,575.6 734,050.7 13,529.4 46.5 129,720.7 202,553.0 7,994.8 10 1,576,461.0 1,569,290.1 351,244.4 75,786.7 275,457.8 1,218,045.7 135,331.5 737,502.5 12,987.2 0.0 133,069.8 199,154.7 7,170.9 11 1,584,117.8 1,577,928.2 352,323.4 75,697.8 276,625.6 1,225,604.8 134,484.4 733,858.5 12,341.9 0.0 141,520.0 203,400.0 6,189.6 12 1,594,587.2 1,588,527.7 360,458.3 76,869.1 283,589.2 1,228,069.4 135,590.7 742,794.1 12,596.7 0.0 138,513.6 198,574.4 6,059.5
2016 1 1,588,277.5 1,581,104.1 363,387.2 81,749.6 281,637.7 1,217,716.9 136,539.9 735,670.7 10,760.6 0.0 130,580.2 204,165.4 7,173.4 2 1,603,298.2 1,595,723.3 366,929.6 80,479.7 286,449.8 1,228,793.8 139,022.1 744,947.4 9,501.4 0.0 132,173.4 203,149.3 7,574.9 3 1,604,010.6 1,597,007.3 354,150.0 78,878.7 275,271.3 1,242,857.3 138,981.6 751,548.5 9,354.7 0.0 129,248.0 213,724.6 7,003.3 4 1,601,352.9 1,594,049.3 348,582.6 79,956.6 268,626.1 1,245,466.7 139,180.6 760,760.2 9,181.4 0.0 127,597.3 208,747.2 7,303.5 5 1,610,684.1 1,600,591.7 356,429.4 79,825.0 276,604.4 1,244,162.3 138,521.4 761,597.5 8,957.6 0.0 130,731.8 204,354.1 10,092.4 6 1,611,069.1 1,602,850.0 363,862.9 83,071.0 280,791.8 1,238,987.2 142,167.0 755,876.2 7,531.2 0.0 128,013.5 205,399.3 8,219.1 7 1,597,785.1 1,586,570.0 354,229.1 81,522.1 272,707.0 1,232,341.0 140,105.8 758,703.8 7,876.8 0.0 124,212.3 201,442.2 11,215.1 8 1,599,756.5 1,591,705.5 354,902.3 81,156.6 273,745.7 1,236,803.2 140,991.1 765,337.1 6,703.5 0.0 120,563.3 203,208.2 8,051.0 9 1,617,459.0 1,609,664.2 358,269.3 82,534.8 275,734.5 1,251,394.9 143,722.6 772,533.7 7,549.2 0.0 118,936.0 208,653.4 7,794.8
1 Pecahan komponen separuh wang secara kecil hanya boleh diperolehi sejak tahun 1984.2 Pecahan yang berasingan tidak diperolehi sebelum Disember 1996. Sebelum tempoh itu, deposit mata wang
asing adalah dikategorikan mengikut jenis-jenis depositnya.3 Pada bulan April 2007, M3 telah disemak semula untuk mengambil kira "lain-lain deposit" bermula Disember 1999.4 Tidak termasuk deposit yang disimpan sesama institusi tersebut.5 Pada tempoh 2004-2005, terdapat penggabungan seluruh industri yang melibatkan syarikat kewangan dan bank perdagangan.^ Bermula dari bulan Disember 1996, data telah disusun atur berdasarkan sistem laporan statistik yang baharu.
1 A breakdown of narrow quasi-money into its components is only available from 1984.2 A separate breakdown of this item is not available prior to December 1996. Prior to December 1996,
foreign currency deposits were subsumed under the respective category of deposits.3 In April 2007, M3 was revised to include "other deposits" from December 1999 onwards.4 Does not include interplacement of deposits between these institutions.5 During the period 2004-2005, there was an industry wide merger between finance companies and commercial banks.^ Beginning December 1996, the data is compiled based on a new statistical reporting system.
18
1.3.1 Wang Secara Meluas, M3Broad Money, M3
Wang Secara Luas, M3Broad Money, M3
RM juta / RM million
Jumlah Mata wang dalam edaran Deposit permintaan Jumlah Deposit tabungan Deposit tetap NID Repo
Deposit mata wang asing2 Lain-lain deposit3
Total Total Currency in circulation Demand deposits Total Savings deposits Fixed deposits NIDs Repos
Foreign currency deposits 2 Other deposits 3
2014 1 1,464,408.9 331,498.6 71,106.7 260,391.9 1,132,910.2 135,785.3 682,499.8 13,848.4 420.2 81,487.7 218,868.8 2 1,460,142.2 325,449.3 66,476.5 258,972.8 1,134,692.9 137,590.3 682,910.2 13,949.0 441.6 85,029.7 214,772.1 3 1,473,982.2 326,547.4 66,170.5 260,376.9 1,147,434.8 136,956.0 689,404.8 12,948.4 49.7 88,368.1 219,707.8 4 1,483,962.1 325,036.1 65,371.1 259,665.0 1,158,926.0 137,093.0 696,889.7 12,871.8 515.4 88,989.5 222,566.6 5 1,491,872.3 323,587.8 65,966.3 257,621.5 1,168,284.4 135,260.4 696,098.0 19,096.4 2,789.2 90,728.3 224,312.1 6 1,493,519.9 328,658.7 65,338.8 263,319.9 1,164,861.2 136,128.2 689,937.1 13,477.3 1,146.4 93,295.0 230,877.1 7 1,503,683.5 331,221.2 68,072.2 263,149.0 1,172,462.2 136,394.8 691,522.2 13,153.3 2,205.4 97,449.7 231,736.9 8 1,494,121.5 322,312.8 66,597.9 255,715.0 1,171,808.7 134,136.6 697,191.1 15,702.5 1,033.4 90,478.7 233,266.5 9 1,503,932.1 329,857.0 65,483.3 264,373.7 1,174,075.1 134,290.7 696,773.1 16,001.8 0.0 91,865.6 235,144.0
10 1,516,474.6 326,961.8 65,736.6 261,225.2 1,189,512.8 132,410.2 708,640.7 17,356.1 0.0 90,141.2 240,964.6 11 1,527,814.2 330,207.2 66,999.4 263,207.8 1,197,607.0 131,721.4 716,916.9 18,263.2 492.1 90,625.4 239,587.9
End of period
1.3.1
Akhir tempoh
M3
Jumlah
Baki urus niaga Separuh Wang Secara Luas1
Transaction balances Broad Quasi-Money 1
12 1,553,807.4 345,816.3 68,029.4 277,786.9 1,207,991.2 134,931.4 720,844.8 18,177.3 497.4 95,513.1 238,027.2 2015 1 1,553,557.5 345,792.7 71,002.4 274,790.3 1,207,764.9 137,074.4 724,161.7 17,693.4 0.0 96,530.2 232,305.2
2 1,560,368.9 351,011.5 74,644.5 276,367.0 1,209,357.4 139,031.3 732,691.3 17,783.4 0.0 99,909.4 219,942.1 3 1,589,250.3 359,604.3 71,947.7 287,656.5 1,229,646.1 138,643.7 740,209.1 16,690.3 0.0 111,064.4 223,038.5 4 1,579,809.7 351,326.8 72,520.5 278,806.3 1,228,482.9 139,692.9 746,369.9 14,491.5 0.0 108,078.5 219,850.1 5 1,576,167.9 351,758.1 73,435.8 278,322.3 1,224,409.8 133,984.0 751,340.8 12,547.1 0.0 111,958.3 214,579.6 6 1,581,733.4 360,058.8 72,783.0 287,275.8 1,221,674.6 136,936.8 743,810.2 11,199.3 0.0 111,056.9 218,671.3 7 1,561,348.4 346,419.5 73,997.4 272,422.1 1,214,928.9 134,986.3 740,228.6 10,082.0 0.0 113,843.7 215,788.3 8 1,562,385.3 350,709.8 75,223.8 275,486.0 1,211,675.5 134,708.0 739,287.5 8,886.8 0.0 120,971.3 207,821.8 9 1,582,454.6 357,158.8 74,905.6 282,253.2 1,225,295.8 136,575.6 740,516.7 8,891.5 0.0 128,814.8 210,497.3
10 1,576,461.0 350,446.1 75,619.5 274,826.6 1,226,014.9 135,331.5 743,196.0 8,393.8 0.0 132,244.7 206,848.9 11 1,584,117.8 351,247.1 75,519.2 275,727.9 1,232,870.7 134,484.4 738,279.6 7,821.7 0.0 140,534.5 211,750.4 12 1,594,587.2 359,516.7 76,642.9 282,873.8 1,235,070.5 135,590.7 746,186.5 9,255.0 0.0 137,546.8 206,491.6
2016 1 1,588,277.5 362,664.9 81,559.5 281,105.4 1,225,612.6 136,539.9 738,684.1 8,272.5 0.0 129,194.2 212,921.9 2 1,603,298.2 366,009.5 80,247.9 285,761.6 1,237,288.7 139,022.1 748,932.4 7,133.1 0.0 130,810.6 211,390.4 3 1,604,010.6 353,137.7 78,687.5 274,450.2 1,250,872.9 138,981.6 755,546.1 6,736.3 0.0 127,588.5 222,020.3 4 1,601,352.9 347,599.2 79,747.7 267,851.5 1,253,753.7 139,180.6 764,809.5 6,696.7 0.0 125,948.6 217,118.3 5 1,610,684.1 355,482.2 79,591.4 275,890.8 1,255,201.8 138,521.4 767,417.4 6,615.6 0.0 129,268.6 213,378.7 6 1,611,069.1 362,873.2 82,870.4 280,002.8 1,248,195.9 142,167.0 760,780.5 5,134.0 0.0 126,723.7 213,390.8 7 1,597,785.1 353,279.8 81,337.0 271,942.8 1,244,505.3 140,105.8 767,337.0 5,685.4 0.0 122,441.9 208,935.3 8 1,599,756.5 353,956.2 80,943.7 273,012.5 1,245,800.3 140,991.1 770,648.8 4,793.9 0.0 118,420.8 210,945.7 9 1,617,459.0 357,273.7 82,361.6 274,912.0 1,260,185.4 143,722.6 778,065.5 5,095.3 0.0 117,069.0 216,232.9
1 Pecahan komponen separuh wang secara luas hanya boleh diperolehi sejak tahun 1984.2 Pecahan yang berasingan tidak diperolehi sebelum Disember 1996. Sebelum tempoh itu.
deposit mata wang asing adalah dikategorikan mengikut jenis-jenis depositnya.3, # Pada bulan April 2007, M3 telah disemak semula untuk mengambil kira "lain-lain deposit" bermula Disember 1999.^ Bermula dari bulan Disember 1996, data telah disusun atur berdasarkan sistem laporan statistik yang baru.
1 A breakdown of narrow quasi-money into its components is only available from 1984.2 A separate breakdown of this item is not available prior to December 1996. Prior to December 1996,
foreign currency deposits were subsumed under the respective category of deposits.3, # In April 2007, M3 was revised to include "other deposits" from December 1999 onwards^ Beginning December 1996, the data is compiled based on a new statistical reporting system.
19
Faktor Penentu M3Factors Affecting M31.3.2
Faktor Penentu M3Factors Affecting M3
RM juta / RM million
Jumlah2 Tuntutan ke atas Kerajaan Deposit Kerajaan2 Jumlah Pinjaman1 Sekuriti Jumlah BNM Sistem Perbankan
Total Total 2 Claims on Government
Government Deposits 2 Total Loans 1 Securities Total BNM Banking System Other Influences 2
2013 8 1,425,783.4 68,406.2 121,662.3 53,256.1 1,265,985.8 1,134,965.2 131,020.6 494,773.9 421,669.0 73,104.8 (403,382.5) 9 1,429,486.9 74,519.6 124,827.1 50,307.5 1,278,014.4 1,145,665.5 132,348.9 510,938.8 437,797.0 73,141.7 (433,985.9) 10 1,439,106.5 69,228.8 123,013.4 53,784.6 1,290,980.2 1,155,066.8 135,913.4 516,687.3 439,488.7 77,198.6 (437,789.7) 11 1,426,601.0 59,862.8 122,109.3 62,246.5 1,301,626.6 1,162,391.1 139,235.5 509,912.2 437,058.1 72,854.1 (444,800.5) 12 1,452,317.1 70,013.3 124,014.3 54,001.0 1,321,311.5 1,178,908.0 142,403.5 514,397.1 435,062.6 79,334.5 (453,404.8)
2014 1 1,464,408.9 74,696.0 130,133.4 55,437.4 1,334,485.9 1,190,987.1 143,498.8 519,004.8 429,137.5 89,867.3 (463,777.9) 2 1,460,142.2 75,354.9 132,946.4 57,591.6 1,335,559.2 1,194,293.1 141,266.1 520,343.2 420,766.4 99,576.8 (471,115.0) 3 1,473,982.2 77,004.8 136,270.0 59,265.2 1,345,647.3 1,203,504.7 142,142.6 518,941.0 417,776.0 101,165.0 (467,610.9) 4 1,483,962.1 87,843.1 135,876.0 48,032.9 1,353,808.1 1,209,079.1 144,728.9 520,709.0 420,966.2 99,742.7 (478,398.1) 5 1,491,872.3 81,404.3 136,834.4 55,430.1 1,362,640.2 1,218,699.6 143,940.6 527,297.2 420,224.2 107,073.0 (479,469.5) 6 1,493,519.9 79,891.8 139,862.5 59,970.7 1,374,690.9 1,229,991.5 144,699.3 519,628.0 416,913.5 102,714.5 (480,690.7) 7 1,503,683.5 83,135.3 138,463.2 55,327.9 1,378,607.3 1,231,356.7 147,250.6 537,597.7 416,789.6 120,808.1 (495,656.8) 8 1,494,121.5 81,882.1 140,389.0 58,506.9 1,385,270.4 1,239,203.1 146,067.3 530,295.9 417,471.1 112,824.8 (503,326.9) 9 1,503,932.0 86,156.2 144,692.2 58,536.0 1,398,487.2 1,251,933.6 146,553.6 514,007.3 410,321.5 103,685.8 (494,718.7) 10 1,516,474.6 86,287.4 151,173.5 64,886.1 1,410,305.6 1,263,599.6 146,706.0 509,346.1 413,099.5 96,246.6 (489,464.4) 11 1,527,814.2 92,088.6 156,507.2 64,418.6 1,422,423.8 1,273,517.2 148,906.7 498,882.0 405,089.1 93,792.8 (485,580.2) 12 1 553 807 4 104 330 5 155 350 3 51 019 8 1 439 266 8 1 290 295 6 148 971 2 504 445 3 400 059 5 104 385 8 (494 235 2)
1.3.2Pada akhir
tempohJumlah
Tuntutan bersih ke atas Kerajaan Tuntutan ke atas Sektor Swasta Aset Asing Bersih
Pengaruh Lain2Net Claims on Government Claims on the Private Sector Net Foreign Assets
End of period
12 1,553,807.4 104,330.5 155,350.3 51,019.8 1,439,266.8 1,290,295.6 148,971.2 504,445.3 400,059.5 104,385.8 (494,235.2)2015 1 1,553,557.5 108,660.8 162,772.8 54,112.0 1,447,652.3 1,296,641.5 151,010.8 492,295.6 379,637.8 112,657.8 (495,051.1)
2 1,560,368.9 101,619.5 156,450.2 54,830.8 1,455,593.6 1,303,816.7 151,776.9 493,364.6 379,158.7 114,205.9 (490,208.8) 3 1,589,250.3 99,720.8 153,745.3 54,024.4 1,467,732.3 1,315,531.3 152,201.1 510,607.8 382,794.1 127,813.8 (488,810.7) 4 1,579,809.7 92,831.4 151,594.1 58,762.7 1,467,908.5 1,315,380.0 152,528.5 505,984.0 385,492.4 120,491.6 (486,914.1) 5 1,576,167.9 83,422.1 153,491.1 70,069.0 1,479,941.2 1,326,960.8 152,980.5 501,368.9 387,441.8 113,927.1 (488,564.4) 6 1,581,733.4 79,279.7 157,493.2 78,213.5 1,490,896.5 1,337,830.7 153,065.8 507,088.6 391,023.9 116,064.7 (495,531.4) 7 1,561,348.4 80,587.9 159,803.0 79,215.1 1,499,639.6 1,344,834.6 154,805.0 482,983.4 357,576.4 125,407.1 (501,862.5) 8 1,562,385.3 78,518.5 156,074.5 77,556.0 1,513,789.2 1,358,886.3 154,902.9 468,622.7 350,578.3 118,044.3 (498,545.1) 9 1,582,454.6 90,360.6 158,936.9 68,576.3 1,527,885.1 1,370,684.5 157,200.6 526,644.3 406,784.4 119,859.9 (562,435.4) 10 1,576,461.0 87,604.6 153,744.7 66,140.1 1,537,173.4 1,376,649.2 160,524.2 536,103.5 409,593.8 126,509.7 (584,420.5) 11 1,584,117.8 88,654.9 151,525.1 62,870.2 1,546,023.2 1,382,310.2 163,713.0 546,433.0 411,766.5 134,666.5 (596,993.3) 12 1,594,587.2 95,472.5 153,784.2 58,311.7 1,559,533.9 1,396,417.6 163,116.3 526,448.4 401,086.7 125,361.7 (586,867.5)
2016 1 1,588,277.5 101,954.8 157,800.6 55,845.8 1,567,203.0 1,403,642.5 163,560.5 519,816.1 402,050.1 117,766.0 (600,696.3) 2 1,603,298.2 100,759.1 159,343.0 58,584.0 1,572,237.9 1,406,798.3 165,439.6 533,525.3 402,409.4 131,115.9 (603,224.1) 3 1,604,010.6 94,597.4 156,180.8 61,583.4 1,570,744.6 1,407,052.1 163,692.5 506,748.8 374,155.3 132,593.4 (568,080.2) 4 1,601,352.9 95,240.1 155,941.0 60,700.9 1,574,734.0 1,405,527.7 169,206.4 503,872.8 373,921.6 129,951.2 (572,494.1) 5 1,610,684.1 91,489.7 159,687.0 68,197.4 1,584,162.7 1,416,009.0 168,153.7 510,347.8 375,185.4 135,162.4 (575,316.1) 6 1,611,069.1 92,658.2 158,470.8 65,812.6 1,593,065.4 1,423,922.6 169,142.8 509,345.0 382,775.3 126,569.7 (583,999.5) 7 1,597,785.1 91,088.8 151,272.0 60,183.2 1,596,927.6 1,426,449.8 170,477.8 506,425.1 383,490.1 122,935.0 (596,656.3) 8 1,599,756.5 84,216.2 152,134.0 67,917.9 1,602,880.6 1,431,267.3 171,613.3 506,650.2 384,344.4 122,305.9 (593,990.5) 9 1,617,459.0 94,671.0 150,909.2 56,238.2 1,616,609.6 1,442,657.4 173,952.2 510,608.1 397,159.5 113,448.5 (604,429.6)
^ Bermula dari bulan Disember 1996, data telah disusun atur berdasarkan sistem laporan statistik yang baru.* Berkuatkuasa mulai 15 September 1998, berikutan penetapan kadar pertukaran Ringgit/Dolar Amerika pada RM3.80,
semua harta dan tanggungan dalam mata wang asing telah dinilai semula kepada ringgit mengikut kadar pertukaranpada tarikh pelaporan dan keuntungan kadar pertukaran tersebut telah diambilkira dalam rekod perakaunan Bank.
# Bermula dari bulan Disember 1999, M3 telah disemak semula untuk mengambil kira lain-lain deposit.1 Bermula dari bulan Disember 1996, data termasuk pinjaman yang dijual kepada Cagamas dengan rekursa.2 Bagi tempoh Dis 2011 - Ogos 2012, data untuk Deposit Kerajaan dan Pengaruh Lain telah disemak semula kerana terdapat
kesilapan pengumpulan data
^ Beginning December 1996, the data is compiled based on a new statistical reporting system.* Effective from 15 September 1998, following the fixing of the Ringgit/US Dollar exchange rate at RM3.80,
all assets and liabilities in foreign currencies have been revalued into ringgit at rates of exchange prevailing on the reporting date and the exchange revaluation gain has been reflected in the Bank's records.
# In April 2007, M3 was revised to include "other deposits" from December 1999 onwards.1 Includes loans sold to Cagamas with recourse from December 1996 onwards.2 For the period Dec 2011 – Aug 2012, data for Government Deposits and Other Influences have been revised due to
a compilation error.
20
Bank Negara Malaysia: Penyata AsetBank Negara Malaysia: Statement of Assets1.4 Bank Negara Malaysia: Penyata Aset
Bank Negara Malaysia: Statement of AssetsRM juta / RM million
Emas dan Pertukaran Asing ^
Kedudukan Tranche Rizab IMF
Milikan Hak Pengeluaran Khas
Kertas Kerajaan Malaysia Bil Terdiskaun Deposit dengan
Institusi KewanganPinjaman dan Pendahuluan Perbelanjaan Tertunda Hartanah - Tanah dan
Bangunan ** Aset Lain Jumlah Aset
Gold and Foreign Exchange ^
IMF Reserve Tranche Position
Holdings of Special Drawing Rights
Malaysian Government Papers Bills Discounted Deposits with
Financial Institutions Loans and Advances Deferred Expenditure Properties - Land and Buildings ** Other Assets Total Assets
2014 397,092.6 3,295.3 6,518.1 2,454.7 0 1,730.6 6,499.3 t.d. 2,113.9 7,912.1 427,616.5 2015 398,178.3 3,291.3 7,656.4 1,916.8 0 1,290.2 6,957.4 t.d. 2,113.9 19,163.2 440,567.5
2014 9 407,450.1 3,188.1 6,264.3 1,851.9 0 19,228.5 6,454.8 t.d. 1,863.9 6,827.8 453,129.3
10 410,237.3 3,179.4 6,264.4 2,158.8 0 13,269.2 6,445.9 t.d. 1,863.9 6,792.4 450,211.3 11 402,225.7 3,179.4 6,264.5 2,158.8 0 6,655.2 6,493.0 t.d. 1,863.9 6,926.2 435,766.7 12 397,092.6 3,295.3 6,518.1 2,454.7 0 1,730.6 6,499.3 t.d. 2,113.9 7,912.1 427,616.5
2015 1 376,680.1 3,286.0 6,518.2 2,325.2 0 1,759.7 6,535.6 t.d. 2,113.9 6,983.3 406,202.2
2 376,201.2 3,286.1 6,518.2 2,325.2 0 1,698.7 6,567.8 t.d. 2,113.9 6,928.8 405,639.8 3 380,302.2 2,825.2 6,552.6 2,325.2 0 1,770.0 6,634.3 t.d. 2,113.9 8,206.7 410,730.1 4 382,996.8 2,825.2 6,552.7 2,325.2 0 1,907.7 6,694.6 t.d. 2,113.9 13,619.3 419,035.3 5 384,946.8 2,825.2 6,552.6 2,325.2 0 1,894.0 6,730.3 t.d. 2,113.9 13,243.4 420,631.4 6 388 458 6 2 905 3 6 762 8 2 474 2 0 1 797 1 6 813 2 t d 2 113 9 8 444 4 419 769 5
1.4Pada akhir tempoh
End of period
6 388,458.6 2,905.3 6,762.8 2,474.2 0 1,797.1 6,813.2 t.d. 2,113.9 8,444.4 419,769.5 7 355,019.7 2,898.9 6,762.9 2,474.2 0 1,588.5 6,848.2 t.d. 2,113.9 8,245.2 385,951.6 8 348,012.8 2,906.9 6,763.0 2,680.8 0 1,903.8 6,868.8 t.d. 2,113.9 8,579.3 379,829.3 9 403,769.6 3,418.1 7,945.2 2,346.7 0 478.3 6,929.7 t.d. 2,113.9 14,347.4 441,349.0 10 406,573.6 3,418.1 7,945.3 2,116.8 0 529.3 6,905.3 t.d. 2,113.9 16,151.2 445,753.6 11 408,745.9 3,418.1 7,945.4 1,916.7 0 588.5 6,938.7 t.d. 2,113.9 17,975.6 449,642.8 12 398,178.3 3,291.3 7,656.4 1,916.8 0 1,290.2 6,957.4 t.d. 2,113.9 19,163.2 440,567.5
2016 1 399,141.7 3,291.3 7,656.5 1,877.1 0 1,396.4 7,019.6 t.d. 2,113.9 18,437.0 440,933.4
2 402,268.2 3,345.7 4,878.3 2,019.5 0 5,156.1 7,100.8 t.d. 2,113.9 16,148.6 443,031.1 3 373,952.7 3,149.3 4,500.3 2,049.7 0 4,673.3 7,162.2 t.d. 2,113.9 11,431.9 409,033.4 4 373,709.0 3,142.2 4,500.3 2,049.6 0 1,783.5 7,252.1 t.d. 2,113.9 8,648.1 403,198.7 5 374,975.3 3,142.2 4,500.0 2,077.2 0 1,885.1 7,347.6 t.d. 2,113.9 12,406.2 408,447.6 6 382,555.3 3,212.2 4,592.3 2,899.6 0 4,072.4 7,431.6 t.d. 2,113.9 11,953.8 418,831.1 7 383,263.8 3,212.2 4,592.3 1,643.0 0 2,424.5 7,476.3 t.d. 2,113.9 7,058.2 411,784.2 8 384,118.3 3,212.2 4,592.3 1,643.0 0 2,685.3 7,559.0 t.d. 2,113.9 6,338.1 412,262.2 9 396,925.7 3,314.2 4,737.2 1,643.0 0 2,161.6 7,657.5 t.d. 2,113.9 5,677.7 424,230.8
1 Emas dan Pertukaran Asing, Rizab lain dan Hak Pengeluaran Khas (SDR) tidak termasuk keuntungan dari penilaian semula kadar pertukaran sebanyak RM24.6 bilion.2 Bermula pada 1 Januari 1998, skim Pembiayaan semula Kredit Eksport (ECR) telah diambil alih oleh Bank Exim.* Berkuatkuasa pada 15 September 1998, hasil penetapan kadar pertukaran Ringgit/Dollar Amerika pada RM3.80, semua harta dan tanggungan dalam matawang
asing telah dinilai semula kepada ringgit mengikut kadar pertukaran pada tarikh pelaporan dan keuntungan kadar pertukaran tersebut telah diambilkira dalam rekod perakaunan Bank.
^ Tuntutan Mata Wang Asing Lain Terhadap Pemastautin kini diklasifikasikan semula daripada Rizab Antarabangsa kepada Aset-aset Lain.** Mulai bulan September 2014, jumlah ini yang merupakan nilai pasaran semasa tanah dan nilai nominal bangunan, sebelum ini dimasukkan di bawah Aset Lain.
1 Gold and Foreign Exchange, other Reserves and SDRs does not include an exchange revaluation gain of RM24.6 billion.2 With effect from 1 January 1998, the ECR scheme was transferred to Exim Bank.* Effective from September 1998, following the fixing of the Ringgit/US Dollar exchange rate at RM3.80, all assets and liabilities in
foreign currencies have been revalued into ringgit at rates of exchange prevailing on the reporting date and the exchange revaluation gain has been reflected in the Bank's records.
^ The Other Foreign Currency Claims on Residents is now reclassified from International Reserves to Other Assets.** Effective from September 2014, this amount, previously included in Other Assets, comprises current market values of
land and nominal values of buildings.
21
1.5 Bank Negara Malaysia: Penyata Modal dan LiabilitiBank Negara Malaysia: Statement of Capital and Liabilities
Bank Negara Malaysia: Penyata Modal dan LiabilitiBank Negara Malaysia: Statement of Capital and Liabilities
RM juta / RM million
Institusi Kewangan KerajaanPersekutuan Lain-lain
Paid-up Capital Reserves * Currency in Circulation Financial Institutions Federal Government Others Bank Negara Bills
and BondsAllocation of Special
Drawing Rights Other Liabilities Total Liabilities
2014 100.0 71,150.3 77,734.6 141,160.6 5,263.6 2,033.7 105,476.7 6,819.2 17,877.7 427,616.5
2015 100.0 131,133.8 88,157.4 157,170.3 10,212.9 588.2 24,113.8 8,009.1 21,082.1 440,567.5
2014 9 100.0 52,910.0 74,633.0 172,884.0 10,920.3 2,109.6 106,804.6 6,554.1 26,213.7 453,129.3
10 100.0 53,077.8 74,331.0 155,112.2 13,913.8 2,016.1 118,311.5 6,554.1 26,794.8 450,211.3
11 100.0 54,505.6 75,625.4 144,082.1 12,481.3 1,954.4 121,019.6 6,554.1 19,444.3 435,766.7
12 100.0 71,150.3 77,734.6 141,160.6 5,263.6 2,033.7 105,476.7 6,819.2 17,877.7 427,616.5
2015 1 100.0 72,249.8 83,086.7 133,168.8 7,686.5 1,878.6 86,747.3 6,819.2 14,465.2 406,202.2
2 100.0 74,095.3 84,665.9 144,569.6 6,368.9 1,863.8 73,946.9 6,819.2 13,210.2 405,639.8
3 100.0 80,990.4 81,554.5 148,438.9 8,316.3 1,781.1 56,524.8 6,855.1 26,169.0 410,730.1
4 100.0 83,009.7 82,811.1 159,495.8 10,663.6 1,661.8 43,660.0 6,855.1 30,778.2 419,035.3
5 100.0 84,234.8 81,849.2 165,386.3 17,825.3 1,655.5 29,559.2 6,855.1 33,166.0 420,631.4
6 100.0 93,349.3 83,873.9 165,558.7 21,782.4 1,319.7 23,128.3 7,074.9 23,582.4 419,769.5
7 100.0 94,773.9 83,828.5 136,764.2 19,936.0 1,307.0 21,590.3 7,074.9 20,576.8 385,951.6
8 100.0 93,017.2 84,882.9 137,834.7 15,865.3 718.2 18,182.4 7,074.9 22,153.7 379,829.3
9 100.0 141,577.2 84,674.8 151,942.3 6,506.7 827.3 24,482.5 8,311.6 22,926.6 441,349.0
10 100.0 144,517.7 84,773.9 146,323.5 10,616.2 476.4 28,184.2 8,311.6 22,450.1 445,753.6
11 100.0 144,376.5 85,672.7 158,029.8 10,108.4 528.5 24,550.1 8,311.6 17,965.3 449,642.8
12 100.0 131,133.8 88,157.4 157,170.3 10,212.9 588.2 24,113.8 8,009.1 21,082.1 440,567.5
2016 1 100.0 129,560.2 93,644.5 163,035.4 4,317.4 574.0 24,177.3 8,009.1 17,515.6 440,933.4
2 100.0 129,747.4 91,184.1 168,434.3 8,243.1 548.9 23,735.8 8,009.1 13,028.4 443,031.1
3 100.0 101,862.6 88,187.7 161,895.4 10,254.1 563.5 21,291.3 7,370.6 17,508.1 409,033.4
4 100.0 102,424.2 89,393.6 161,216.8 8,617.8 625.2 19,343.1 7,370.6 14,107.4 403,198.7
5 100.0 102,836.0 89,955.0 157,452.6 13,955.0 998.3 15,386.2 7,370.6 20,393.9 408,447.6
6 100.0 107,695.7 93,585.2 163,692.9 9,905.3 752.5 15,123.7 7,521.8 20,454.0 418,831.1
7 100.0 109,463.6 91,259.9 165,952.8 9,687.1 1,105.9 13,613.6 7,521.8 13,079.4 411,784.2
8 100.0 110,174.1 91,059.0 157,265.3 19,261.9 1,175.8 13,648.3 7,521.8 12,056.0 412,262.2
9 100.0 123,214.1 92,177.3 170,160.9 5,551.2 916.8 10,633.1 7,759.2 13,718.4 424,230.8
* Effective from 15 March 2013, the General Reserve Fund, Other Reserves and Net Proft/(Loss) for the period are recorded as Reserves. * Mulai 15 Mac 2013, Kumpulan Wang Rizab Am, Rizab Lain dan Untung/(Rugi) Bersih bagi tempoh tersebut dilaporkan sebagai Rizab.
1.5
Modal Dibayar Kumpulan Wang Rizab *Pada akhir tempoh
End of Period
Peruntukan Hak Pengeluaran Khas Liabiliti Lain Jumlah Liabiliti
DepositsMatawang dalam Edaran
Deposit
Bil Bank Negara dan Bon
22
1.6 Tabung-tabung Khas Bank Negara MalaysiaBank Negara Malaysia’s Special Funds
Tabung-tabung Khas Bank Negara MalaysiaBank Negara Malaysia's Special Funds
Tarikh Jumlahditubuhkan peruntukkan
(RM juta) Pada akhir Pada akhir Pada akhir Pada akhir Pada akhir Pada akhir Pada akhir Pada akhir Pada akhir Pada akhirbulan Dis-15 bulan Sep-16 bulan Dis-15 bulan Sep-16 bulan Dis-15 bulan Sep-16 bulan Dis-15 bulan Sep-16
As at end As at end As at end As at end As at end As at end As at end As at endDate Fund Dec-15 September-16 Dec-15 September-16 Dec-15 September-16 Dec-15 September-16
established allocation As at end As at end(RM million) Dec-15 September-16
Tabung-tabung yang masih dibuka untuk permohonan baruFunds that are open for new applications
1. Tabung Untuk Makanan/Fund for Food 4 Jan, 1993 300 1/ 2,030.3 2,039.0 11,315 11,333 1,994.8 2,017.2 1,741.6 1,777.8 253.2 239.42. Tabung Usahawan Baru 2/New Entrepreneurs Fund 2 15 Jul, 2001 2,550 2/ 4,542.2 4,645.2 8,038 8,239 4,360.5 4,471.6 3,826.2 3,927.0 534.3 544.63. Tabung Industri Kecil dan Sederhana 2/Fund for Small and Medium Industries 2 15 Apr, 2000 6,300 3/ 19,690.4 20,986.9 28,747 30,257 18,697.2 19,978.9 14,186.8 14,752.7 4,510.4 5,226.14. Tabung Projek Usahawan Bumiputera - i*/Bumiputera Entrepreneur Project Fund - i* 1 Jul, 2009 300 743.7 875.2 1,101 1,244 430.5 511.9 347.1 427.1 83.4 84.85. Tabung Pembiayaan Mikro/Micro Enterprise Fund 4 Nov, 2008 200 355.2 411.0 16,929 19,420 353.0 405.8 230.0 273.7 123.0 132.1
Tabung-tabung / Kemudahan-kemudahan jaminan yang telah ditutup untuk permohonan baruFunds / Guarantee facilities that have been closed for new applications
1. Tabung Pemulihan Usahawan/Enterprise Rehabilitation Fund 6 Feb., 1988 800 5/ 289.0 289.02. Tabung Projek Perumahan Terbengkalai/ Abandoned Housing Projects Fund 18 Dis, 1990 600 331.3 331.31. Tabung Usahawan Baru/ New Entrepreneurs Fund 12 Dis, 1989 1250 5/ 1,419.5 1,419.5 3,126 3,126 1,397.8 1,397.8 1,397.8 1,397.8 0.0 0.02. Tabung Khas Pelancongan/Special Fund for Tourism 10 Mac, 1990 200 5/ 203.5 203.5 194 194 203.4 203.4 203.4 203.4 0.0 0.03. Tabung Penyusunan Semula Industri/Industrial Adjustment Fund 5 Feb, 1991 100 95.0 95.0 25 25 95.0 95.0 95.0 95.0 0.0 0.04 Tabung Industri Bumiputera/ Bumiputera Industrial Fund 4 Jan 1993 100 94 7 94 7 99 99 90 8 90 8 90 8 90 8 0 0 0 0
1.6Jumlah diluluskan Bil. permohonan diluluskan Jumlah dikeluarkan (a) Jumlah dibayar balik (b) Baki tertunggak (a)-(b)
RM jutaRM million RM million
Jenis Tabung/Kemudahan Jaminan Amount approved No. of appl. approved Amount drawdown (a) Amount repaid (b) Amount outstanding (a)-(b)
bulan Dis-15 bulan Sep-16
Type of Fund/Guarantee FacilityRM juta
4. Tabung Industri Bumiputera/ Bumiputera Industrial Fund 4 Jan, 1993 100 94.7 94.7 99 99 90.8 90.8 90.8 90.8 0.0 0.0
29 Okt, 1993 500 297.2 297.2 54 54 297.2 297.2 297.2 297.2 0.0 0.06. Tabung Industri Kecil dan Sederhana/Fund for Small and Medium Industries 2 Jan, 1998 1850 5/ 3,774.3 3,774.3 5,420 5,420 3,725.9 3,725.9 3,725.9 3,725.9 0.0 0.0
1 Mei, 1998 1000 609.1 609.1 96 96 585.2 585.2 585.2 585.2 0.0 0.08.Tabung Pemulihan Industri Kecil dan Sederhana/Rehabilitation Fund for Small and Medium Industries 23 Nov, 1998 330 335.8 335.8 306 306 333.7 333.7 333.7 333.7 0.0 0.09.Tabung Pemulihan & Pembangunan Usahawan/ Entrepreneurs Rehabilitaion & Development Fund 3 Jul, 2001 10 3.3 3.3 33 33 1.0 1.0 1.0 1.0 0.0 0.010. Kemudahan Jaminan Bantuan Khas/ Special Relief Guarantee Facility 21 Mei, 2003 1,000 48.8 48.8 85 85 - - - - - -11. Kemudahan Pembiayaan Perkapalan/ Ship Financing Facility 30 Okt, 1992 600 577.1 577.1 38 38 542.8 542.8 542.8 542.8 0.0 0.012. Tabung Pemulihan Perniagaan Kecil/Rehabilitation Fund for Small Businesses 1 Nov, 2003 200 18.2 18.2 37 37 16.4 16.4 14.8 14.9 1.6 1.513. Kemudahan Jaminan Bantuan Khas-2/Special Relief Guarantee Facility-2 8 Jan. 2007 500 472.4 472.4 4,640 4,640 - - - - - -14. Kemudahan Bantuan PKS/ SME Assistance Facility 1 Ogs, 2008 970.1 970.1 4,561 4,561 - - - - - -15. Kemudahan Pemodenan PKS/SME Modernisation Facility 1 Ogs, 2008 88.6 88.6 165 165 - - - - - -16. Skim Bantuan Jaminan PKS/SME Assistance Guarantee Scheme 3 Feb, 2009 2,000 2,097.9 2,097.9 9,557 9,557 - - - - - -17. Tabung Projek Usahawan Bumiputera/Bumiputera Entrepreneurs Project Fund 10 Feb, 2000 300 946.7 946.7 2,541 2,541 914.5 914.5 897.6 897.8 16.9 16.718. Kemudahan Bantuan Khas 2015/Special Relief Facility 2015 23-Jan-15 500 4/ 138.1 137.8 933 930 135.5 136.4 0.9 12.2 134.6 124.2
1/ Tak termasuk jumlah ditukarkan ke ekuiti dalam Agro Bank (RM541j), dana pusingan (RM300j) dan baki akan dikembalikan kepada Perbendaharaan (RM148.1j) 1/ Excludes amounts converted to equity in Agro Bank (RM541m), rollover funds (RM300m) and balance to be returned to Treasury (RM148.1m) Peruntukan RM300j dari BNM sahaja RM300m of the allocation from BNM only.2/ Tak termasuk peruntukan sebelum ini sebanyak RM300j kepada CGC 2/ Excludes previous allocations of RM300m to CGC 3/ Tak termasuk peruntukan sebelum ini sebanyak RM450j kepada CGC 3/ Excludes previous allocations of RM450m to CGC 4/ Peruntukan Kemudahan Bantuan Khas 2015 (KBK) asalnya dipindahkan dari Tabung Usahawan Baru 2 (TUB2) (RM250 juta) dan Tabung Industri Kecil dan Sederhana 2 4/ Special Relief Facility (SRF) allocation was originally transferred from New Entrepreneurs Fund 2 (NEF2) (RM250m) and Fund for Small (RM250 juta) pada 23 Januari 2015. Berikutan penutupan KBK pada 30 Jun 2015, peruntukan yang tidak digunakan dikembalikan ke kedua-dua tabung dalam bulan Jun 2016 and Medium Industries 2 (RM250m) on 23 Jan 2015. Following the closure of SRF on 30 June 2015, the unutilised amounts had been returned to both manakala pinjaman diluluskan di bawah KBK akan dikembalikan kepada TUB2 apabila peminjam membuat bayaran kelak funds in June 2016 and the amount of loans approved under SRF will be returned to NEF2 upon repayments by customers.5/ Tabung Pusingan. 5/ Revolving funds.
5. Tabung Untuk Menyegerakan Pembiayaan Rumah Kos Rendah/Fund to Accelerate the Construction of Low-Cost Houses
7. Skim Khas Perumahan Kos Rendah dan Sederhana/Special Scheme for Low and Medium Cost Houses
1,200
23
1.7 Sistem Perbankan: Penyata AsetBanking System: Statement of Assets
Wang Tunai danKesamaan
Tunai
Baki Akaun Semasa dengan
Bank Negara Malaysia
Deposit lain yang Disimpan
dan Repo Berbalik
SimpananBerkanun
dengan Bank Negara
Malaysia
BukanPemastautin
InstrumenDeposit Boleh
Niaga yang Dipegang
Bil Perbendaha-raan
SekuritiKerajaan Sekuriti Lain Pinjaman dan
Pendahuluan
Harta Benda, Loji dan
KelengkapanAset Lain Jumlah Aset
Cash and Cash Equivalents
Balances in Current Account
with Bank Negara
Malaysia
Other Deposits Placed and
Reverse Repos
StatutoryDeposits with Bank Negara
Malaysia
Bank Negara Malaysia
Bank Negara Malaysia
BankPerdagangan
CommercialBanks
Bank-bank Islam
Islamic Banks
Bank Pelaburan
InvestmentBanks
InstitusiPerbankan Lain
Other Banking Institutions
Non-Residents
InvestmentAccount Due
fromDesignatedFinancial
Institutions
NegotiableInstrument
Deposits HeldTreasury Bills Government
Securities Other Securities Loans and Advances
Property, Plant and Equipment Other Assets Total Assets
35,954.1 393.0 24,651.3 46,486.0 113,140.1 41,134.3 18,025.3 9,053.9 2,446.8 73,348.3 n.a. 53,773.8 2,074.6 42,571.1 261,559.6 1,275,483.1 5,597.2 144,716.3 2,150,408.930,164.2 456.3 27,426.6 46,210.8 103,314.8 37,598.0 16,634.4 6,542.4 3,164.8 74,757.7 n.a. 55,801.0 2,272.1 44,997.6 272,368.0 1,286,780.0 5,761.3 139,781.8 2,154,031.827,375.0 385.4 26,938.8 46,885.5 93,714.1 34,207.0 15,842.3 6,862.0 3,538.5 76,241.7 n.a. 58,999.2 2,631.6 49,902.9 287,343.7 1,297,737.5 5,798.9 148,757.9 2,183,162.126,790.3 663.9 27,943.3 46,532.0 92,104.4 37,927.7 17,300.7 7,303.7 3,297.0 84,254.4 n.a. 63,462.9 3,040.2 50,214.5 279,534.7 1,317,645.7 5,782.8 155,573.0 2,219,371.326,999.8 1,877.6 29,946.0 49,092.7 83,081.3 38,807.3 19,053.0 7,699.8 2,846.9 90,428.5 n.a. 64,374.0 3,213.5 55,551.8 276,144.3 1,321,800.1 5,784.0 175,872.4 2,252,573.027,396.6 416.9 31,134.7 48,563.7 95,458.1 37,644.7 16,739.8 7,645.5 4,273.8 86,766.1 n.a. 64,628.5 3,013.9 48,111.1 269,016.2 1,327,434.2 5,764.5 163,404.8 2,237,413.136,106.5 640.0 34,311.2 48,876.6 98,915.7 35,912.3 16,310.0 7,254.3 3,999.7 97,202.7 n.a. 66,595.7 2,945.8 47,668.1 260,344.5 1,339,927.2 5,776.3 175,995.4 2,278,782.033,416.7 687.6 38,946.1 49,331.8 106,833.5 33,936.6 16,053.0 7,675.3 4,929.7 89,383.4 n.a. 64,502.3 2,337.5 47,566.8 253,612.9 1,340,638.4 5,755.0 162,947.1 2,258,553.739,512.0 568.6 40,189.7 49,061.9 111,972.1 34,497.1 15,869.6 6,176.8 3,168.0 87,944.5 n.a. 61,996.0 2,454.9 45,021.5 254,212.5 1,352,089.8 5,616.4 168,979.0 2,279,330.534,814.9 691.2 38,256.6 48,312.6 114,640.6 37,879.8 16,451.6 7,227.7 1,651.8 87,502.8 n.a. 60,970.0 2,304.6 42,240.9 255,546.4 1,366,524.7 5,603.3 174,288.1 2,294,907.534,587.1 974.4 36,656.6 48,692.1 86,535.5 38,238.0 14,328.2 7,067.8 1,870.6 86,577.5 27,121.9 59,454.2 3,161.3 45,725.6 254,834.0 1,374,537.7 5,558.0 152,213.3 2,278,133.729,705.6 413.4 34,485.3 49,501.6 86,552.1 41,079.8 17,824.8 7,251.6 3,125.9 97,870.9 26,766.9 60,054.6 2,719.2 45,780.3 250,383.2 1,395,657.2 5,537.4 195,449.7 2,350,159.527,558.0 700.3 35,193.5 48,774.8 101,582.7 35,113.0 17,638.5 6,984.3 3,163.6 91,812.3 25,729.8 55,792.8 3,786.3 46,242.5 250,029.4 1,401,767.5 5,515.5 213,684.5 2,371,069.627,091.3 1,002.9 36,718.3 49,253.4 95,236.5 33,810.9 17,142.7 5,783.8 2,553.4 91,403.6 27,703.5 56,367.5 2,905.0 40,984.3 252,323.6 1,407,831.6 5,504.8 187,999.7 2,341,616.626,768.2 659.0 31,047.0 48,504.6 108,749.7 27,795.2 17,455.2 5,477.5 2,455.2 96,572.4 26,315.9 55,296.6 2,160.8 42,606.3 251,081.9 1,409,540.4 5,729.7 191,474.8 2,349,690.429,151.7 692.8 31,503.0 48,729.3 107,925.0 21,897.5 18,228.3 6,931.9 4,026.8 89,653.1 25,496.3 63,401.9 1,670.6 43,576.7 250,369.3 1,423,806.8 5,827.9 181,397.8 2,354,286.631,630.2 1,002.6 30,346.6 49,855.7 106,043.5 27,669.6 19,008.6 6,146.2 2,607.1 84,943.4 25,640.7 58,335.2 2,768.9 45,906.8 253,019.9 1,425,416.2 5,800.9 190,688.1 2,366,830.229,678.9 920.9 28,190.4 41,896.0 118,873.0 29,494.8 18,910.8 6,309.8 2,306.6 95,426.7 26,667.0 56,130.2 3,528.4 48,855.4 264,204.3 1,428,218.4 5,818.6 180,529.3 2,385,959.428,442.2 347.7 29,402.8 41,480.4 116,092.9 29,493.6 16,201.3 6,676.6 1,967.9 93,558.6 24,840.2 50,483.6 2,008.3 47,854.1 261,961.6 1,426,643.2 5,809.8 179,011.2 2,362,275.828,297.4 684.9 31,115.4 43,351.8 112,434.9 31,070.1 19,603.9 6,314.5 1,886.8 88,228.5 26,292.6 45,208.8 1,775.3 49,706.6 263,382.1 1,424,927.9 6,090.3 171,803.2 2,352,174.826,690.8 532.6 31,174.7 41,126.9 114,801.1 30,380.3 18,476.1 5,906.7 1,578.4 86,451.0 27,962.1 44,726.8 1,876.4 53,401.0 266,109.3 1,435,919.0 6,189.3 174,607.0 2,367,909.829,861.6 1,246.5 32,227.2 42,007.5 117,694.6 35,356.0 22,193.4 6,741.5 2,042.4 90,300.9 28,388.2 44,825.0 2,105.4 51,108.8 266,870.8 1,442,605.3 6,192.5 177,070.7 2,398,838.224,111.4 797.6 31,125.0 43,371.9 119,961.2 32,476.8 21,684.6 6,865.2 1,310.0 88,119.2 28,481.0 43,349.4 1,077.4 44,511.2 269,180.1 1,444,457.2 6,188.0 185,411.4 2,392,478.522,807.6 588.9 32,324.7 42,789.8 113,356.7 29,185.8 19,061.6 7,420.3 1,281.2 79,857.2 28,411.5 42,227.3 676.8 48,348.9 270,254.7 1,449,458.9 6,191.6 165,710.2 2,359,953.623,948.9 776.5 33,028.4 42,709.3 125,415.8 28,471.8 19,935.4 6,495.4 1,350.1 71,473.3 28,689.7 42,909.5 1,085.0 46,256.9 273,591.0 1,461,375.1 6,209.8 171,075.1 2,384,796.9
Pada Akhir Tempoh
End of Period
Deposit yang Disimpan dan Repo Berbalik
Deposits Placed and Reverse Repos
Jumlah yang akan Diterima Daripada Institusi Kewangan Tertentu
Amount Due from Designated Financial Institutions
1.7 Sistem Perbankan: Penyata Aset Banking System: Statement of Assets
RM juta / RM million
Jumlah Akaun Pelaburan yang akan Diterima
DaripadaInstitusi
KewanganTertentu
Sekuriti Malaysia
Malaysian Securities
Pemastautin
Residents
2015 1 2345678
2014 9 101112
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesen dan bank pelaburan berlesen di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Sebelum 1 Julai 2015, jumlah yang dilaporkan bagi "Jumlah yang akan Diterima Daripada Institusi Kewangan Tertentu" termasuk deposit Islam disetuju terima di bawah Akta Bank Islam 1983 (IBA) yang dimansuhkan yang menggunakan kontrak Syariah yang berciri perkongsian keuntungan.n.a Tidak diperoleh
Note:Please refer to Glossary for further explanation on some of the data itemsBeginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Prior to 1 July 2015, the amounts reported in "Amount Due from Designated Financial Institutions" include Islamic deposits accepted under the repealed Islamic Banking Act 1983 (IBA) using profit-sharing contract.n.a Not available
9101112
2016 1 23
89
4567
24
1.7.1 Sistem Perbankan Islam: Penyata AsetIslamic Banking System: Statement of Assets
Wang Tunai dan Kesamaan Tunai
Baki Akaun Semasa dengan Bank
Negara Malaysia
Deposit lain yang Disimpan dan Repo
Berbalik
SimpananBerkanun dengan
Bank Negara Malaysia
BukanPemastautin
Instrumen Deposit Boleh Niaga yang
Dipegang
Bil Perbendaha-raan Sekuriti Kerajaan Sekuriti Lain Pinjaman dan
PendahuluanHarta Benda, Loji dan Kelengkapan Aset Lain Jumlah Aset
Cash and Cash Equivalents
Balances in Current Account with Bank Negara Malaysia
Other Deposits Placed and Reverse
Repos
Statutory Deposits with Bank Negara
Malaysia
Bank Negara Malaysia
Bank Negara Malaysia
BankPerdagangan
CommercialBanks
Bank-bank Islam
Islamic Banks
Bank Pelaburan
InvestmentBanks
Institusi Perbankan Lain
Other Banking Institutions
Non-Residents
Investment Account Due from
DesignatedFinancial
Institutions
NegotiableInstrument Deposits
HeldTreasury Bills Government
Securities Other Securities Loans and Advances
Property, Plant and Equipment Other Assets Total Assets
1,524.6 24.5 166.7 12,481.6 37,752.4 4,115.5 4,166.9 547.5 2,011.8 1,683.1 n.a. 10,595.8 526.7 83.5 61,992.6 310,288.2 524.1 6,959.3 455,444.9908.6 307.8 127.4 12,657.7 35,688.6 4,288.2 4,507.9 332.7 2,166.8 1,962.1 n.a. 12,812.6 522.4 84.0 62,991.1 316,466.0 534.2 6,770.3 463,128.5807.0 232.2 160.2 12,974.8 35,403.6 2,267.8 5,094.3 356.9 2,763.5 2,064.9 n.a. 11,925.2 543.5 86.3 65,271.7 321,379.2 543.3 7,236.0 469,110.7
1,200.8 373.4 38.6 13,011.1 32,064.2 3,025.5 4,922.9 325.7 2,556.9 2,184.9 n.a. 11,563.4 475.1 89.3 66,668.3 330,174.5 552.8 7,828.4 477,055.71,017.9 151.1 38.7 13,628.7 33,943.5 1,373.4 5,883.3 763.5 2,056.9 2,361.3 n.a. 10,509.3 542.2 122.7 66,864.2 338,065.9 545.3 8,095.2 485,963.3
873.4 101.3 1.6 13,592.4 35,355.4 2,221.6 4,849.7 655.5 3,893.8 2,627.9 n.a. 10,662.2 549.9 122.5 65,189.2 342,986.1 549.3 7,389.3 491,620.91,491.7 108.3 4.3 14,245.3 42,817.1 3,542.9 3,942.3 335.5 3,289.7 2,427.6 n.a. 13,753.2 555.0 124.8 62,676.8 347,522.1 545.6 8,999.8 506,382.13,521.9 152.8 4.7 14,388.8 45,002.8 2,670.3 3,574.6 430.5 3,989.7 2,745.1 n.a. 13,342.9 507.1 121.2 59,763.8 349,834.7 544.0 7,373.4 507,968.33,250.8 148.5 1.3 14,121.4 40,793.4 4,416.3 3,868.9 165.5 2,973.0 2,722.8 n.a. 12,971.4 470.7 124.1 61,425.8 354,145.1 544.1 8,251.0 510,394.22,575.4 462.4 256.2 14,024.7 38,951.3 3,414.8 3,216.8 75.4 1,431.8 2,974.8 n.a. 13,255.5 396.1 116.5 61,936.5 358,801.0 541.7 7,639.5 510,070.42,248.1 358.6 265.0 14,251.3 29,635.1 3,168.9 3,648.7 0.0 1,240.6 3,097.6 0.0 14,910.0 550.4 142.7 60,048.7 362,879.0 536.1 9,092.5 506,073.31,591.1 153.0 273.6 14,055.7 25,609.0 4,007.0 3,970.5 60.0 2,360.5 3,385.5 0.0 13,293.5 484.4 151.6 59,187.5 368,843.0 530.2 11,236.3 509,192.31,353.9 372.7 268.8 13,671.5 28,596.9 4,200.8 3,494.9 84.6 2,248.6 2,775.2 0.0 12,675.6 544.5 157.0 60,276.0 371,717.0 524.8 11,232.8 514,195.71,624.5 423.8 270.9 13,933.3 28,243.1 4,240.3 2,104.7 101.3 1,788.3 2,911.3 0.0 11,242.5 466.5 139.3 61,045.3 377,238.5 521.7 9,724.9 516,020.01,623.6 221.1 276.7 14,007.9 32,415.0 5,303.4 1,748.6 0.0 1,987.2 3,500.0 0.0 9,729.3 416.9 138.1 61,181.2 379,076.0 519.9 10,461.7 522,606.61,365.1 311.4 283.5 13,835.8 37,582.3 3,975.6 2,658.4 30.0 3,486.7 3,120.3 0.0 11,618.3 377.9 139.2 61,238.1 384,444.0 516.9 10,366.3 535,349.71,740.9 444.9 282.6 14,032.6 36,702.5 4,866.0 3,560.3 110.0 2,117.1 2,706.3 0.0 8,946.0 315.0 130.6 62,450.0 386,185.4 509.1 10,741.2 535,840.62,180.4 296.3 286.3 11,461.2 39,600.4 4,462.0 3,249.6 87.5 1,586.6 2,500.3 0.0 8,382.0 384.4 132.4 61,736.4 388,790.3 505.5 10,412.0 536,053.62,470.4 53.5 279.9 11,925.5 42,861.1 3,907.6 2,396.0 0.0 1,393.8 2,330.2 0.0 8,819.4 375.9 125.3 59,952.7 390,815.2 506.0 8,868.6 537,081.12,990.9 422.1 273.2 11,778.8 43,142.0 4,362.6 4,961.3 0.0 1,629.7 2,445.7 0.0 8,924.5 164.0 115.0 59,271.3 392,230.7 502.9 8,421.3 541,636.02,227.8 146.6 276.4 11,775.8 47,099.8 3,219.7 4,736.7 0.0 1,130.9 2,639.5 0.0 9,227.2 149.2 120.5 60,949.5 397,313.0 495.5 9,313.8 550,822.12,561.8 627.8 277.9 12,090.7 46,416.2 2,877.6 6,640.6 0.0 1,483.5 2,457.5 0.0 8,626.1 149.7 118.2 61,901.6 401,793.4 499.3 9,940.2 558,462.32,855.3 313.6 266.7 11,960.9 46,630.1 3,982.5 6,498.3 0.0 774.3 2,375.3 0.0 9,010.4 150.1 78.8 61,832.8 402,617.7 489.4 9,562.3 559,398.61,949.3 76.3 285.5 11,898.4 41,373.3 4,639.7 4,511.5 0.0 899.0 2,206.2 0.0 8,325.1 150.4 78.5 63,031.4 403,897.4 488.0 7,732.5 551,542.51,891.3 100.0 290.0 12,081.2 46,843.0 3,852.7 4,749.6 49.5 1,011.9 2,273.8 0.0 7,916.8 104.0 80.0 64,853.6 407,955.9 480.4 8,694.5 563,228.3
89
4567
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesen dan bank pelaburan berlesen di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Sebelum 1 Julai 2015, jumlah yang dilaporkan bagi "Jumlah yang akan Diterima Daripada Institusi Kewangan Tertentu" termasuk deposit Islam disetuju terima di bawah Akta Bank Islam 1983 (IBA) yang dimansuhkan yang menggunakan kontrak Syariah yang berciri perkongsian keuntungan.n.a Tidak diperoleh
Note:Please refer to Glossary for further explanation on some of the data itemsBeginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Prior to 1 July 2015, the amounts reported in "Amount Due from Designated Financial Institutions" include Islamic deposits accepted under the repealed Islamic Banking Act 1983 (IBA) using profit-sharing contract.n.a Not available
9101112
2016 1 23
8
2014 9 101112
2015 1 234567
Pemastautin
Residents
1.7.1 Sistem Perbankan Islam: Penyata AsetIslamic Banking System: Statement of Assets
RM juta / RM million
Pada Akhir Tempoh
End of Period
Deposit yang Disimpan dan Repo Berbalik
Deposits Placed and Reverse Repos
Jumlah yang akan Diterima Daripada Institusi Kewangan Tertentu
Amount Due from Designated Financial Institutions
Jumlah Akaun Pelaburan yang akan Diterima
Daripada Institusi Kewangan Tertentu
Sekuriti Malaysia
Malaysian Securities
25
1.8 Kumpulan-Kumpulan Wang Insurans Hayat1 dan Am2: Penyata AsetLife and General Insurance Funds : Statement of Assets
Dialihkan ke Jadual MSB 4.1Shifted to MSB Table 4.1
26
1.9 Sistem Perbankan: Penyata Ekuiti dan LiabilitiBanking System: Statement of Equities and Liabilities
Modal dan Rizab
Deposit dalam Kumpulan Wang Pelaburan Baru
Akaun Deposit Khas Lain-lain Bukan
PemastautinAkaun Pelaburan
dari Pengguna
Jumlah Akaun Pelaburan yang
akan Dibayar kepada Institusi
KewanganTertentu
PenerimaanBelum Bayar Pemastautin Bukan
Pemastautin Tanggungan Lain
Total EquitiesDeposits under
the New Investment Fund
Special Deposit Account Others
Bank Negara Malaysia
Bank Negara Malaysia
BankPerdagangan
CommercialBanks
Bank-bank Islam
Islamic Banks
Bank Pelaburan
Investment Banks
InstitusiPerbankan Lain
Other Banking Institutions
Non-Residents InvestmentAccount of customers
InvestmentAccount Due to
DesignatedFinancial
Institutions
AcceptancesPayable Residents Non-Residents Other Liabilities
218,526.2 16,019.0 1.1 1,564,889.7 9,983.7 58,346.5 7,662.0 3,763.3 5,598.5 79,202.8 n.a n.a 8,442.8 6,918.0 23.9 171,031.4 2,150,408.9220,322.6 15,858.1 1.1 1,582,023.2 7,917.8 49,712.3 7,876.0 3,190.2 5,981.6 80,876.4 n.a n.a 8,203.0 4,435.9 21.1 167,612.6 2,154,031.8221,665.2 15,905.9 1.5 1,597,402.2 5,037.7 48,741.4 6,419.0 2,169.1 6,357.2 90,565.3 n.a n.a 6,903.3 4,932.4 24.8 177,037.0 2,183,162.1223,550.6 15,903.6 2.1 1,625,699.4 979.7 49,903.9 7,484.5 3,123.6 8,425.3 90,058.8 n.a n.a 3,640.4 4,530.7 30.2 186,038.5 2,219,371.3227,818.3 15,841.9 1.2 1,628,349.2 1,662.1 53,475.6 6,614.8 3,270.5 7,801.7 92,410.8 n.a n.a 5,337.2 4,526.2 45.6 205,418.1 2,252,573.0228,723.5 15,603.3 1.2 1,634,588.8 1,101.7 51,772.5 6,279.1 3,009.4 7,437.8 85,035.3 n.a n.a 5,959.7 4,084.4 44.3 193,772.2 2,237,413.1229,745.8 16,132.7 1.2 1,667,477.2 946.0 49,680.5 6,966.5 2,759.4 6,120.9 83,880.6 n.a n.a 6,497.2 5,290.8 45.3 203,237.8 2,278,782.0228,650.8 16,476.8 1.2 1,661,470.1 1,239.4 46,690.4 6,399.0 2,101.2 7,761.0 82,783.7 n.a n.a 7,707.7 4,963.2 46.5 192,262.8 2,258,553.7231,599.0 16,338.8 1.3 1,661,599.6 1,218.1 45,004.5 7,868.2 2,415.0 6,145.9 92,040.6 n.a n.a 7,902.9 5,101.7 52.3 202,042.5 2,279,330.5234,529.8 16,763.4 1.2 1,667,258.2 1,098.5 51,466.6 5,189.4 1,736.0 5,221.1 90,698.8 n.a n.a 5,961.3 4,565.4 34.9 210,383.1 2,294,907.5235,078.5 16,643.1 1.2 1,621,556.5 904.7 49,917.2 5,298.5 1,675.4 5,976.1 85,763.4 4,252.9 27,989.2 4,642.9 4,110.6 41.7 214,281.9 2,278,133.7235,248.5 16,563.0 1.2 1,624,493.6 800.2 55,199.1 6,758.3 1,293.2 6,300.3 107,447.3 5,242.8 27,715.0 2,916.8 4,129.4 29.5 256,021.3 2,350,159.5236,007.9 16,727.7 1.2 1,645,205.6 935.4 49,265.2 6,287.4 1,523.9 7,205.5 100,186.1 6,136.5 26,724.2 2,768.0 4,190.0 45.0 267,860.1 2,371,069.6238,512.9 17,047.3 0.8 1,633,390.5 631.4 48,444.2 6,202.8 1,574.6 5,222.9 89,928.5 10,371.2 28,676.8 2,164.2 4,247.2 32.6 255,168.7 2,341,616.6239,277.1 16,720.5 0.9 1,642,494.5 473.5 42,921.9 7,221.5 811.8 5,636.0 85,286.2 18,338.2 27,128.7 1,777.8 4,075.4 42.5 257,483.9 2,349,690.4246,080.8 16,647.4 0.9 1,653,746.5 345.5 38,241.5 6,604.5 1,422.9 4,945.5 86,027.7 20,347.7 26,165.3 1,349.9 4,120.6 34.7 248,205.0 2,354,286.6251,630.9 16,676.5 0.7 1,641,807.7 175.1 41,449.9 8,319.5 1,122.4 6,396.5 85,543.9 25,711.1 26,286.2 1,497.7 4,252.1 40.9 255,919.1 2,366,830.2252,508.6 16,942.1 0.7 1,653,530.8 3,849.6 42,773.0 7,407.2 1,248.0 5,659.1 88,609.1 25,164.0 27,324.3 2,562.9 4,324.1 30.1 254,025.7 2,385,959.4252,920.7 16,613.2 0.6 1,651,725.1 629.2 43,125.8 6,166.1 798.8 4,934.3 82,491.6 28,019.8 25,452.7 2,435.9 4,236.7 28.4 242,696.8 2,362,275.8254,818.5 16,121.0 1.3 1,643,462.1 52.2 43,149.5 9,041.6 1,228.0 5,592.6 80,323.1 29,835.7 26,905.5 2,261.1 3,918.0 36.9 235,427.7 2,352,174.8257,628.8 16,469.6 1.2 1,654,955.1 2,533.4 40,698.3 8,751.6 1,147.6 4,117.2 78,393.2 32,017.8 28,610.2 2,007.4 3,904.0 28.0 236,646.5 2,367,909.8260,466.1 16,674.9 0.6 1,658,426.7 4,848.0 49,535.8 10,232.7 1,076.1 4,329.8 83,285.0 36,195.7 29,047.1 1,283.7 4,069.6 31.6 239,334.8 2,398,838.2262,577.6 17,063.9 0.8 1,637,276.3 1,441.6 45,741.9 10,342.1 664.5 5,508.6 84,937.6 38,550.1 29,149.4 1,198.4 4,031.8 34.1 253,959.6 2,392,478.5263,966.1 16,925.6 0.7 1,637,691.7 1,672.7 42,366.3 9,477.6 780.2 4,776.6 79,566.5 35,961.1 29,080.8 2,316.7 3,822.3 22.9 231,525.8 2,359,953.6264,827.4 17,587.3 0.7 1,657,477.4 1,296.0 40,808.1 7,580.2 572.0 4,018.5 83,962.3 34,881.3 29,369.7 2,192.9 3,863.2 24.7 236,335.0 2,384,796.9
2016 1
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesen dan bank pelaburan berlesen di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Sebelum 1 Julai 2015, jumlah yang dilaporkan bagi "Jumlah Deposit" dan "Jumlah yang akan Dibayar kepada Institusi Kewangan Tertentu" termasuk deposit Islam disetuju terima di bawah Akta Bank Islam 1983 (IBA) yang dimansuhkan yang menggunakan kontrak Syariah yang berciri perkongsian keuntungan.n.a Tidak diperoleh
Note:Please refer to Glossary for further explanation on some of the data itemsBeginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Prior to 1 July 2015, the amounts reported in "Total Deposits" and "Amount Due to Designated Financial Institutions" include Islamic deposits accepted under the repealed Islamic Banking Act 1983 (IBA) using profit-sharing contract. n.a Not available
789101112
2
789
1112
3456
2015 1 23456
2014 9 10
Bil Belum Bayar
Bills Payable
Pemastautin
Residents
Sistem Perbankan: Penyata Ekuiti dan LiabilitiBanking System: Statement of Equities and Liabilities1.9
RM juta / RM million
Pada Akhir Tempoh
End of Period
Jumlah Liabiliti
Total Liabilities
Jumlah Ekuiti dan Liabiliti
Total Equities and Liabilities
Jumlah Deposit
Total Deposits
Jumlah yang akan Dibayar kepada Institusi Kewangan Tertentu
Amount Due to Designated Financial Institutions
Jumlah Akaun Pelaburan
Total Investment Account
27
1.9.1 Sistem Perbankan Islam: Penyata Ekuiti dan Liabiliti Islamic Banking System - Statement of Equities and Liabilities
Modal dan Rizab Jumlah Ekuiti dan Liabiliti
Deposit dalam Kumpulan Wang Pelaburan Baru
Lain-lain Bukan Pemastautin Akaun Pelaburan dari Pengguna
Jumlah Akaun Pelaburan yang
akan Dibayar kepada Institusi
Kewangan Tertentu
PelbagaiPinjaman
Pelbagai Terbitan Hutang Sekuriti
PenerimaanBelum Bayar Pemastautin Bukan
PemastautinTanggungan
Lain
Total EquitiesDeposits under the
New Investment Fund
Others
Bank Negara Malaysia
Bank Negara Malaysia
Bank Perdagangan
Commercial Banks
Bank-bank Islam
Islamic Banks
Bank Pelaburan
Investment Banks
Institusi Perbankan Lain
Other Banking Institutions
Non-Residents InvestmentAccount of customers
InvestmentAccount Due to
DesignatedFinancial
Institutions
MiscellaneousBorrowing
MiscellaneousDebt Securities
Issued
AcceptancesPayable
Residents Non-Residents Other Liabilities Total Equities and Liabilities
33,340.8 945.5 378,311.0 35.4 12,630.4 3,788.6 560.4 2,796.4 3,062.2 n.a n.a 9,303.1 500.0 703.1 403.1 0.0 9,064.8 455,444.933,698.0 1,062.1 386,479.3 35.9 10,832.2 3,790.4 780.2 2,729.0 2,895.1 n.a n.a 9,158.0 500.0 682.6 259.4 0.0 10,226.4 463,128.533,876.1 1,113.3 393,744.6 63.9 8,468.8 4,271.7 590.7 3,692.5 2,930.1 n.a n.a 9,414.9 500.0 675.7 376.9 0.0 9,391.5 469,110.734,132.3 1,233.5 399,446.5 30.1 9,139.8 4,807.9 938.6 3,894.1 2,806.4 n.a n.a 9,409.5 500.0 686.9 353.7 0.0 9,676.4 477,055.734,765.6 1,193.2 405,619.3 145.1 9,752.4 5,397.0 926.3 3,474.7 3,060.8 n.a n.a 9,377.7 500.0 669.2 348.5 0.0 10,733.5 485,963.3
34,934.7 1,284.9 413,095.6 86.7 8,900.2 4,231.4 886.8 3,864.7 3,664.4 n.a n.a 9,233.5 500.0 678.7 389.0 0.0 9,870.4 491,620.935,009.0 1,321.9 426,766.7 88.8 8,846.9 4,186.3 766.8 3,225.9 3,678.7 n.a n.a 10,599.5 500.0 757.8 342.3 0.0 10,291.4 506,382.135,109.6 1,388.6 428,251.3 423.0 8,820.3 4,046.2 498.8 3,859.0 3,736.4 n.a n.a 10,834.3 500.0 766.7 339.8 0.0 9,394.2 507,968.335,445.5 1,506.0 430,700.6 307.4 8,445.2 3,782.3 486.6 3,362.5 3,796.4 n.a n.a 10,862.1 500.0 696.0 376.1 0.0 10,127.7 510,394.235,974.9 1,633.8 428,608.1 40.0 10,501.6 1,888.3 387.2 3,011.5 3,547.5 n.a n.a 10,895.6 500.0 703.5 337.3 0.0 12,041.1 510,070.436,335.6 1,725.6 396,230.4 42.1 8,135.9 2,326.8 363.4 3,421.1 3,816.0 4,252.9 27,989.2 10,908.2 500.0 716.2 289.2 0.0 9,020.7 506,073.336,484.7 1,842.5 392,650.6 157.4 10,663.9 2,930.9 263.7 3,220.8 3,806.5 5,242.8 27,715.0 11,029.3 500.0 711.7 419.5 0.0 11,553.1 509,192.336,594.5 1,959.2 396,718.6 163.6 10,848.8 2,241.3 338.3 4,022.1 3,950.5 6,136.5 26,724.2 11,091.0 500.0 684.4 301.5 0.0 11,921.1 514,195.737,024.4 2,039.7 393,377.8 158.9 11,590.3 2,074.5 61.1 3,078.1 3,672.3 10,371.2 28,676.8 11,064.5 500.0 671.9 262.8 0.0 11,395.7 516,020.037,313.9 2,122.6 391,798.4 157.3 12,607.5 2,104.4 4.0 2,905.1 3,501.9 18,338.2 27,128.7 11,552.8 500.0 629.0 253.7 0.0 11,689.3 522,606.637,844.9 2,231.3 400,429.3 158.8 12,983.7 2,787.9 673.5 3,089.6 3,277.6 20,347.7 26,165.3 12,198.0 500.0 625.0 284.1 0.0 11,752.9 535,349.738,733.9 2,265.0 393,003.3 29.0 12,759.3 3,721.0 36.6 4,486.4 2,643.8 25,711.1 26,286.2 12,159.0 500.0 594.5 272.7 0.0 12,638.9 535,840.639,071.2 2,398.0 393,656.2 0.0 12,807.6 3,226.0 142.1 4,146.1 2,049.9 25,164.0 27,324.3 13,170.0 500.0 619.8 458.5 0.0 11,319.9 536,053.639,361.4 2,469.6 397,530.3 0.0 10,994.0 2,404.7 54.5 3,507.6 1,886.9 28,019.8 25,452.7 12,116.0 500.0 562.8 740.1 0.0 11,480.6 537,081.139,009.4 2,565.2 396,412.4 0.0 12,463.8 4,506.6 74.2 4,046.3 1,912.2 29,835.7 26,905.5 11,826.8 500.0 542.2 409.5 0.0 10,626.1 541,636.039,364.5 2,661.8 402,334.1 825.9 10,850.1 5,545.0 67.3 2,852.1 1,909.7 32,017.8 28,610.2 11,896.6 500.0 556.1 472.5 0.0 10,358.2 550,822.139,655.1 2,682.1 399,679.3 1,208.9 12,412.1 7,253.5 10.5 3,034.9 2,339.6 36,195.7 29,047.1 11,711.7 500.0 566.7 498.9 0.0 11,666.3 558,462.340,538.3 2,809.1 399,651.0 0.0 11,820.1 6,329.3 75.8 4,034.4 1,904.6 38,550.1 29,149.4 11,725.9 505.0 572.4 516.3 0.0 11,216.8 559,398.541,132.5 2,886.6 396,130.9 0.0 11,351.0 4,613.3 94.2 3,347.2 1,801.8 35,961.1 29,080.8 12,072.6 505.0 590.8 355.5 0.0 11,619.1 551,542.541,379.0 3,045.5 410,081.9 0.0 12,023.1 3,673.5 99.5 2,320.1 1,751.5 34,881.3 29,369.7 11,657.5 505.0 536.6 382.4 0.0 11,521.6 563,228.29 0.0
Akaun Deposit Khas
Sistem Perbankan Islam: Penyata Ekuiti dan LiabilitiIslamic Banking System: Statement of Equities and Liabilities
Pemastautin
Residents
Special Deposit Account
1.9.1RM juta / RM million
Pada Akhir Tempoh
End of Period
Jumlah Liabiliti
Total Liabilities
Jumlah Deposit
Total Deposits
Jumlah yang akan Dibayar kepada Institusi Kewangan Tertentu
Amount Due to Designated Financial Institutions
Jumlah Akaun Pelaburan
Total Investment Account
Penerimaan Belum Bayar
Bills Payable
20140.0
11 0.0
2015 1 0.0
23 0.0
9 0.010
0.0
12 0.0
4 0.05 0.06 0.07 0.08 0.09 0.010 0.011 0.0
6 0.05
0.023 0.0
0.0
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesen dan bank pelaburan berlesen di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Sebelum 1 Julai 2015, jumlah yang dilaporkan bagi "Jumlah Deposit" dan "Jumlah yang akan Dibayar kepada Institusi Kewangan Tertentu" termasuk deposit Islam disetuju terima di bawah Akta Bank Islam 1983 (IBA) yang dimansuhkan yang menggunakan kontrak Syariah yang berciri perkongsian keuntungan.n.a Tidak diperoleh
Note:Please refer to Glossary for further explanation on some of the data itemsBeginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Prior to 1 July 2015, the amounts reported in "Total Deposits" and "Amount Due to Designated Financial Institutions" include Islamic deposits accepted under the repealed Islamic Banking Act 1983 (IBA) using profit-sharing contract.n.a Not available
2016 1 0.0
8 0.0
0.0
7
4 0.0
12 0.0
28
1.10 Sistem Perbankan: Pinjaman yang Dipohon Mengikut Tujuan Banking System: Loans Applied by Purpose
Sistem Perbankan: Pinjaman yang Dipohon Mengikut TujuanBanking System: Loans Applied by Purpose
RM juta / RM million
2014 9 3,002.6 7,230.0 6,908.6 19,671.4 8,295.2 355.7 4,414.8 2,103.8 1.3 4,023.8 22,397.5 4,641.3 76,137.310 3,376.4 8,137.5 6,712.9 20,059.3 8,862.6 516.7 4,032.6 2,151.9 2.4 4,065.2 17,012.2 3,357.9 71,574.711 4,776.8 6,839.4 6,503.0 18,438.0 8,882.5 595.3 4,415.3 2,008.2 11.0 2,909.8 20,843.1 5,834.4 75,553.712 2,851.0 7,473.2 7,140.1 17,737.9 8,019.8 595.9 4,675.6 2,062.7 17.3 4,331.5 11,118.4 4,060.0 62,943.2
2015 1 4,107.9 8,270.9 7,906.3 16,324.3 8,238.1 569.2 4,324.2 1,991.1 13.3 2,728.2 10,711.8 2,255.8 59,534.72 4,004.7 6,152.3 5,945.0 11,855.0 6,902.9 559.4 3,330.8 1,781.1 9.5 2,088.6 8,518.1 2,461.6 47,664.03 2,897.2 8,905.0 8,277.5 18,172.6 8,072.7 481.6 4,776.0 2,211.1 11.0 3,966.8 18,029.0 3,812.5 71,335.44 2,895.4 6,901.3 6,586.4 18,809.1 10,042.2 729.7 4,907.0 2,595.2 16.9 3,895.7 15,226.6 2,415.9 68,435.05 1 883 3 6 483 0 6 176 6 17 431 8 7 730 6 644 0 5 406 4 2 673 8 16 8 4 182 7 17 494 1 2 458 9 66 405 3
1.10
Tempoh Pembelian sekuritiPembelian kenderaan
pengangkutan
yang mana: Pembelian kereta
penumpang
Pembelian harta kediaman
Pembelian harta bukan kediaman
Pembelian aset tetap selain tanah
dan bangunan
Kegunaan persendirian Kad kredit
Pembelian baranganpengguna
Pembinaan Modal kerja Tujuan lain1 Jumlah pinjaman dipohon
Period Purchase of securities
Purchase of transport vehicle
of which: Purchase of passenger cars
Purchase of residential property Working capital
Otherpurpose 1 Total loans appliedPurchase of non-
residential property
Purchase of fixed assets other than land and building
Personal uses Credit cardsPurchase of
consumer durable goods
Construction
5 1,883.3 6,483.0 6,176.6 17,431.8 7,730.6 644.0 5,406.4 2,673.8 16.8 4,182.7 17,494.1 2,458.9 66,405.36 1,951.4 8,168.7 7,878.5 19,296.8 8,382.0 338.9 6,133.9 3,146.9 0.7 3,471.4 20,787.8 1,705.0 73,383.67 1,657.8 7,909.9 7,176.2 18,668.3 7,733.6 689.9 5,903.8 3,150.9 0.6 3,545.0 20,694.2 4,686.1 74,640.08 1,831.1 6,994.8 6,674.5 18,298.1 7,384.6 290.5 5,918.7 3,240.6 0.4 3,667.9 25,030.7 2,780.7 75,438.19 2,656.2 7,242.7 6,766.0 18,120.2 7,435.4 2,270.2 6,109.3 3,509.4 0.4 3,288.6 16,565.4 7,556.0 74,753.7
10 2,335.1 7,824.6 7,517.6 18,161.5 7,028.6 432.9 6,604.8 3,722.1 0.4 2,960.0 22,004.5 9,665.0 80,739.311 2,454.6 8,086.0 7,333.8 16,015.8 6,199.0 927.5 5,894.5 3,238.9 12.2 2,802.3 22,656.8 3,221.5 71,509.212 1,553.5 7,404.2 7,172.8 14,878.4 5,833.4 517.9 5,958.5 3,333.4 3.1 2,412.4 17,066.8 4,424.6 63,386.1
2016 1 2,727.8 7,169.0 6,820.0 15,268.5 6,420.3 366.9 5,989.1 3,219.9 6.3 2,587.3 17,680.2 3,609.3 65,044.52 1,829.6 5,223.7 4,954.0 12,074.5 5,756.5 306.7 4,549.0 2,468.2 21.5 3,361.3 12,661.5 2,275.2 50,527.63 2,636.9 7,380.9 6,915.6 19,182.0 6,802.5 308.9 6,185.2 3,792.9 0.8 3,476.5 19,095.3 3,256.4 72,118.24 1,900.0 6,744.5 6,362.4 18,224.9 6,348.0 505.4 5,624.3 3,889.7 0.7 1,551.4 14,884.0 4,644.8 64,317.65 2,623.1 6,441.4 6,209.0 18,430.9 7,117.2 3,704.7 4,480.6 4,094.0 0.0 3,471.6 19,097.7 2,574.7 72,035.96 3,409.5 8,391.8 7,811.7 17,932.3 7,034.1 504.6 4,687.8 4,125.3 0.1 6,545.4 18,456.4 5,138.1 76,225.57 1,974.9 5,710.4 5,468.3 16,467.7 6,876.7 490.3 4,371.3 3,802.1 0.0 3,293.3 16,087.7 2,120.9 61,195.48 2,906.5 7,409.3 7,095.6 20,619.6 8,034.5 1,003.9 5,546.4 4,573.1 0.4 2,920.3 17,406.5 4,087.5 74,508.09 3,109.0 6,401.4 6,162.2 18,523.8 6,143.8 572.4 4,969.0 4,125.5 0.1 2,910.5 16,841.1 4,653.2 68,249.8
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).1 Termasuk pinjaman untuk tujuan penggabungan dan pengambilalihan
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).
1 Includes loans for purpose of mergers and acquisition
29
1.11 Sistem Perbankan: Pinjaman yang Dipohon Mengikut Sektor Banking System: Loans Applied by Sectors
Sistem Perbankan: Pinjaman yang Dipohon Mengikut Sektor1
Banking System: Loans Applied by Sector 1
RM juta / RM million
2014 9 1,030.2 100.8 4,634.9 1,004.6 4,793.0 7,152.5 5,633.0 704.4 9,362.0 844.5 37,442.3 3,434.9 76,137.310 1,124.6 821.8 3,919.5 2,051.8 5,704.9 5,777.9 5,590.3 2,765.7 4,433.9 934.7 37,749.6 700.1 71,574.711 1,847.7 1,035.5 5,045.0 2,161.7 4,925.5 4,510.4 7,752.8 3,169.6 5,221.8 952.4 36,089.6 2,841.7 75,553.712 1,079.1 467.3 3,683.5 288.3 4,169.0 4,866.1 6,163.8 1,124.3 4,043.8 691.4 35,848.0 518.5 62,943.2
2015 1 882.5 239.5 3,757.3 74.3 4,547.2 4,055.3 4,455.4 1,068.1 2,484.6 880.5 36,031.3 1,058.8 59,534.72 2,232.6 882.3 2,935.3 275.4 2,737.8 3,442.7 3,023.7 1,159.1 3,028.2 877.5 26,598.4 471.0 47,664.03 3,921.7 945.8 3,788.2 781.4 4,882.8 5,477.1 4,945.9 989.6 6,253.2 1,465.1 37,473.6 411.1 71,335.44 2,618.5 908.1 4,780.5 73.0 5,393.2 5,419.3 5,251.2 1,009.8 3,458.4 2,079.5 36,613.6 830.0 68,435.0
Pembinaan Harta tanah
1.11
Perdagangan borong& runcit, restoran
dan hotel
Tempoh Pertanian primer Perlombongan dan kuari
Perkilangan (termasuk asas tani)
Elektrik, gas dan bekalan air
Pendidikan, kesihatan dan
lain-lain
Sektor isirumah2 Sektor t.d.d.l.3
Jumlah pinjaman dipohon
Pengangkutan, penyimpanan dan
komunikasi
Aktiviti kewangan, insurans dan perniagaan
Period Primary agriculture Mining and quarryingManufacturing
(including agro-based)
Electricity, gas and water supply
Wholesale & retail trade, and
restaurants & hotelsConstruction Real estate Transport, storage
and communicationHousehold
sector 2Other sector
n.e.c 3Total loans
applied
Finance, insurance and business
activities
Education, health & others
4 2,618.5 908.1 4,780.5 73.0 5,393.2 5,419.3 5,251.2 1,009.8 3,458.4 2,079.5 36,613.6 830.0 68,435.05 1,268.6 75.9 4,005.6 987.4 4,808.4 6,726.2 5,519.4 1,252.7 4,912.6 2,227.0 34,269.0 352.6 66,405.36 1,479.5 196.5 3,436.5 133.4 5,683.0 4,692.6 6,415.8 1,192.2 3,694.9 4,150.9 39,512.9 2,795.4 73,383.67 1,541.6 883.5 3,850.3 3,130.1 5,732.9 5,659.0 5,888.3 1,754.4 5,742.4 1,761.3 37,706.8 989.5 74,640.08 955.5 283.5 4,377.1 85.1 5,734.4 5,166.9 6,354.3 994.6 11,542.4 2,551.4 36,846.3 546.6 75,438.19 2,127.1 198.4 5,291.0 2,938.2 5,909.1 6,224.6 4,609.6 813.3 7,196.5 1,247.0 37,369.6 829.2 74,753.710 1,781.0 1,909.5 4,740.6 2,870.7 5,474.1 5,139.3 4,614.6 1,214.3 7,385.1 4,130.7 39,028.7 2,450.8 80,739.311 1,726.2 706.6 4,343.1 1,698.7 6,277.6 5,235.5 5,065.2 1,524.4 7,095.3 1,028.6 35,388.3 1,419.7 71,509.212 1,171.7 2,290.9 3,654.0 1,068.2 4,460.5 4,696.5 4,851.3 1,792.9 3,458.1 1,198.7 33,602.9 1,140.3 63,386.1
2016 1 613.6 122.2 3,050.8 3,143.5 3,939.1 4,654.4 2,999.8 2,585.6 4,286.9 3,184.0 34,695.9 1,768.8 65,044.52 713.6 111.7 3,401.7 578.5 3,810.8 4,922.7 3,830.1 1,783.9 2,665.9 1,438.5 26,367.9 902.2 50,527.63 1,137.6 373.3 4,018.3 632.4 4,925.7 5,462.2 5,310.0 794.2 7,271.8 2,948.9 38,821.7 422.1 72,118.24 1,630.5 167.2 4,136.2 1,995.0 5,539.6 4,252.7 3,093.1 2,320.3 2,751.3 967.6 36,847.1 616.9 64,317.65 1,560.0 79.2 4,934.3 191.7 5,184.5 7,112.6 4,550.9 7,393.0 3,665.7 1,203.6 35,879.8 280.7 72,035.96 1,158.3 402.5 8,531.2 306.6 5,135.4 9,709.7 7,072.3 1,389.4 3,190.8 1,673.3 37,136.3 519.6 76,225.57 1,277.6 398.6 4,238.0 267.4 5,192.3 4,869.8 4,918.7 1,089.9 5,178.1 1,086.6 32,395.3 283.1 61,195.48 1,618.1 653.2 6,267.6 109.3 6,048.6 6,823.0 5,026.5 1,713.4 3,208.8 1,671.8 40,969.1 398.4 74,508.09 1,784.0 73.6 5,397.5 666.4 4,933.9 5,184.4 4,611.7 3,221.6 4,303.4 668.9 36,721.8 682.6 68,249.8
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).1 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard
Perindustrian Malaysia 2000 (MSIC 2000).2 Sektor isirumah = Jumlah tujuan pinjaman mengikut tujuan kepada isirumah.3 Termasuk pinjaman kepada perniagaan individu.
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.
Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).1 The definitions of the economic sectors/industries are based on the Malaysian
Standard Industrial Classification (MSIC) 2000.2 Household sector = total loans by purpose to households.3 Includes Ioans to individual businesses.
30
1.12 Sistem Perbankan: Pinjaman yang Diluluskan Mengikut TujuanBanking System: Loans Approved by Purpose
Sistem Perbankan: Pinjaman yang Diluluskan Mengikut TujuanBanking System: Loans Approved by Purpose
RM juta / RM million
2014 9 2,651.9 3,727.8 3,510.4 10,685.6 4,562.2 244.3 1,516.9 1,186.5 6.4 1,463.4 8,047.1 3,930.7 38,022.810 3,731.4 4,022.2 3,801.5 11,174.4 4,769.2 334.5 1,497.8 1,236.3 10.3 2,068.3 7,770.7 772.3 37,387.411 2,299.8 3,772.8 3,596.0 10,165.6 4,066.8 849.7 1,401.3 1,258.7 7.4 988.7 7,498.2 2,925.4 35,234.512 1,762.9 4,267.1 4,031.1 9,843.5 4,534.7 442.1 1,526.0 1,260.9 10.7 1,183.5 7,148.5 1,813.9 33,793.9
2015 1 2,867.8 4,563.4 4,301.5 8,868.0 4,210.4 682.6 1,338.3 1,136.4 10.3 949.7 5,153.8 1,211.4 30,992.22 2,509.9 4,008.9 3,878.9 6,524.6 2,603.8 468.9 1,047.0 980.0 8.0 1,923.1 5,290.8 1,381.3 26,746.23 2,258.8 5,356.8 4,860.9 8,912.8 4,630.4 786.8 1,428.0 1,192.1 5.4 1,618.9 7,926.6 2,145.3 36,261.84 1,816.9 4,154.9 3,944.6 9,839.0 3,988.4 364.2 1,500.3 1,335.7 6.8 2,353.0 6,364.0 997.9 32,721.15 1,323.4 3,859.6 3,657.2 8,560.6 2,891.6 456.9 1,381.8 1,354.8 6.8 931.3 8,324.0 2,211.2 31,302.1
1.12
Tempoh Pembelian sekuritiPembelian kenderaan
pengangkutan
yang mana: Pembelian kereta
penumpang
Pembelian harta kediaman
Pembelian harta bukan kediaman
Pembelian aset tetap selain tanah
dan bangunan
Kegunaan persendirian Kad kredit
Pembelian baranganpengguna
Pembinaan Modal kerja Tujuan lain1 Jumlah pinjaman diluluskan
Period Purchase of securities
Purchase of transport vehicle
of which: Purchase of passenger cars
Purchase of residential property
Purchase of non-residential property
Purchase of fixed assets other than land and building
Total loans approved Credit cards
Purchase of consumer durable
goodsConstruction Working capital
Otherpurpose 1
6 1,421.2 4,425.2 4,242.9 10,025.0 3,396.4 198.9 1,577.9 1,684.2 0.3 1,347.2 11,568.5 2,855.3 38,500.17 1,171.3 4,342.1 4,142.6 8,957.0 3,061.0 281.3 1,421.4 1,466.2 0.1 1,024.0 9,535.9 1,595.5 32,855.78 1,221.4 3,882.2 3,714.5 8,895.2 3,010.6 148.9 1,576.6 1,413.5 0.2 1,620.0 7,791.7 1,857.5 31,417.79 1,183.7 3,914.4 3,740.6 8,655.1 2,982.1 428.6 1,701.4 1,441.2 0.0 1,150.6 7,955.6 2,812.2 32,224.9
10 1,871.5 4,149.7 3,973.5 8,889.6 3,135.4 277.0 1,825.3 1,652.9 0.0 2,012.8 8,659.6 2,766.7 35,240.711 1,499.0 3,908.8 3,737.2 7,936.6 2,248.8 516.9 1,756.6 1,378.3 0.0 669.2 8,207.6 3,243.7 31,365.612 1,150.2 4,185.5 4,005.8 7,348.5 2,249.5 149.1 1,672.2 1,472.2 0.2 2,322.9 9,616.2 3,428.8 33,595.3
2016 1 1,664.2 4,330.8 3,790.6 5,853.8 2,344.9 221.1 1,259.0 1,436.0 0.0 918.6 4,325.0 4,314.4 26,667.72 1,287.6 2,862.0 2,736.2 5,116.5 1,901.0 214.7 1,115.4 1,123.7 27.2 1,064.9 6,318.6 1,218.8 22,250.43 1,304.7 3,464.8 3,263.1 7,686.9 3,420.3 177.0 1,510.7 1,442.4 0.1 317.7 7,341.7 1,115.1 27,781.54 1,374.2 3,483.1 3,084.3 7,311.3 2,331.0 257.7 1,351.0 1,406.6 0.0 1,052.4 7,109.6 1,427.2 27,104.05 1,975.0 3,432.3 3,145.2 7,603.2 2,309.8 319.8 1,382.0 1,487.1 0.5 2,362.2 9,309.2 1,815.3 31,996.16 1,781.3 4,445.8 3,901.1 7,860.4 3,260.9 360.3 1,483.7 1,503.6 0.1 1,457.5 7,020.3 1,185.9 30,360.07 953.1 3,258.8 3,103.3 7,031.5 3,418.5 241.0 1,137.3 1,386.3 0.1 1,179.6 7,189.7 680.1 26,476.08 1,644.2 3,933.8 3,763.1 8,624.1 2,651.9 371.1 1,670.5 1,692.4 8.2 2,198.1 7,191.2 1,562.0 31,547.59 1,687.6 3,526.1 3,369.1 8,113.3 2,419.7 483.4 1,606.1 1,492.2 0.1 1,950.7 5,963.2 2,334.3 29,576.6
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor
tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektordanekonomi/industri isirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).1 Termasuk pinjaman untuk tujuan penggabungan dan pengambilalihan
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).
1 Includes loans for purpose of mergers and acquisition
31
1.13 Sistem Perbankan: Pinjaman yang Diluluskan Mengikut Sektor Banking System: Loans Approved by Sectors
Sistem Perbankan: Pinjaman yang Diluluskan Mengikut Sektor1
Banking System: Loans Approved by Sector 1
RM juta / RM million
2014 9 623.9 101.1 2,372.6 22.2 2,451.0 3,660.9 2,439.5 250.2 2,625.9 340.6 20,560.5 2,574.6 38,022.810 905.7 1,238.9 1,646.3 147.9 3,271.5 1,958.0 2,735.2 714.0 2,886.8 601.6 21,036.8 244.6 37,387.411 754.7 1,080.7 1,521.1 43.0 2,345.2 1,882.5 3,716.9 633.5 2,865.0 557.8 19,724.6 109.6 35,234.512 256.0 281.6 1,653.5 333.8 2,565.4 2,774.3 2,614.8 308.5 2,896.9 200.3 19,535.2 373.4 33,793.9
2015 1 1,180.2 332.3 2,144.3 113.9 1,946.5 1,955.6 1,785.2 470.3 1,050.3 275.8 19,520.6 217.3 30,992.22 281.7 1,015.6 1,261.1 9.1 1,267.0 1,019.6 2,664.0 1,360.9 2,216.0 104.0 15,289.9 257.2 26,746.23 2,455.3 158.3 2,417.4 792.3 1,961.4 1,703.8 2,617.1 642.9 3,051.1 713.4 19,321.1 427.7 36,261.84 330.8 36.2 1,939.5 53.3 2,602.2 2,556.6 3,023.2 537.3 1,077.9 1,207.2 19,121.0 235.8 32,721.15 869.0 52.2 2,115.2 728.3 2,086.8 2,401.3 2,895.7 206.8 1,729.7 817.0 17,025.7 374.3 31,302.16 2,426.9 157.7 2,512.9 231.5 3,025.8 2,504.4 2,172.1 671.4 1,930.3 3,239.5 19,373.5 254.1 38,500.17 907.0 116.6 2,008.1 475.7 3,011.3 2,144.0 2,758.9 640.4 1,625.5 1,411.2 17,557.2 199.8 32,855.7
1.13Tempoh Pertanian primer Perlombongan dan
kuariPerkilangan
(termasuk asas tani)Elektrik, gas dan
bekalan air
Perdagangan borong & runcit, restoran dan
hotelPembinaan Harta tanah
Pengangkutan, penyimpanan dan
komunikasi
Aktiviti kewangan, insurans dan perniagaan
Pendidikan, kesihatan dan
lain-lain
Sektor isirumah2 Sektor t.d.d.l.3
Jumlah pinjaman diluluskan
Period Primary agriculture Mining and quarryingManufacturing
(including agro-based)
Electricity, gas and water supply
Wholesale & retail trade, and
restaurants & hotelsConstruction Real estate Transport, storage
and communication
Finance, insurance and business
activities
Education, health & others
Household sector 2
Other sector n.e.c 3
Total loans approved
7 907.0 116.6 2,008.1 475.7 3,011.3 2,144.0 2,758.9 640.4 1,625.5 1,411.2 17,557.2 199.8 32,855.78 603.4 122.5 1,710.0 150.7 2,629.2 1,891.0 3,275.0 811.3 1,692.0 812.8 17,449.4 270.5 31,417.79 396.3 67.3 2,794.7 906.7 2,083.1 2,057.8 3,238.9 539.8 1,787.3 591.3 17,477.2 284.7 32,224.910 705.1 106.0 2,027.9 876.4 2,573.9 2,102.2 3,142.3 571.1 3,520.6 669.3 18,859.1 86.6 35,240.711 491.8 232.9 2,164.7 51.8 2,819.3 1,526.5 1,947.9 377.9 3,235.6 1,849.1 16,597.7 70.3 31,365.612 498.2 2,149.2 1,860.5 1,114.0 1,742.3 2,620.2 3,005.3 435.0 3,109.6 1,134.4 15,765.3 161.2 33,595.3
2016 1 748.3 45.2 1,202.3 3.5 1,338.3 1,601.7 1,631.1 935.4 1,154.0 3,896.2 14,067.3 44.3 26,667.72 252.1 5.9 1,277.6 426.6 1,533.6 1,744.1 1,555.7 1,117.1 1,859.1 728.5 11,649.4 100.8 22,250.43 679.3 161.0 1,627.5 618.8 1,935.7 1,352.1 1,884.3 344.2 1,949.8 1,321.5 15,260.0 647.0 27,781.54 1,003.0 219.6 1,435.7 202.5 1,808.1 2,167.3 2,285.2 1,098.8 1,985.6 298.7 14,514.3 85.2 27,104.05 532.7 48.0 2,148.0 50.4 2,187.6 2,273.5 2,104.6 5,150.1 2,145.1 324.2 14,968.8 63.0 31,996.16 815.8 256.8 1,916.2 25.0 2,132.1 1,972.5 2,877.1 693.0 2,121.7 1,037.4 16,271.7 240.5 30,360.07 853.3 163.8 1,982.3 28.6 1,895.1 2,288.1 2,627.9 590.3 1,896.9 165.6 13,901.0 83.2 26,476.08 646.3 33.6 2,356.4 343.4 1,739.4 2,895.3 2,314.7 853.0 1,764.4 961.6 17,364.9 274.4 31,547.59 1,496.0 27.1 2,269.8 16.8 1,664.4 3,008.1 2,144.5 807.5 1,584.2 198.6 16,319.0 40.8 29,576.6
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).Pecahan mengikut sektor ekonomi/industri dan tujuan adalah berbeza dengan klasifikasi terdahulu di bawah Jadual 1.13.1 (sila rujuk Glosari untuk maklumat lanjut).1 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard
Perindustrian Malaysia 2000 (MSIC 2000).2 Sektor isirumah = Jumlah tujuan pinjaman mengikut tujuan kepada isirumah.3 Termasuk pinjaman kepada perniagaan individu.
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.
Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).The breakdown by economic sectors/industries and purpose is not strictly comparable tothe previous classification in TabIe 1.13.1 (please refer to the Glossary for further details).
1 The definitions of the economic sectors/industries are based on the MalaysianStandard Industrial Classification (MSIC) 2000.
2 Household sector = total loans by purpose to households.3 Includes Ioans to individual businesses.
32
1.14 Sistem Perbankan: Pinjaman yang Dikeluarkan Mengikut TujuanBanking System: Loans Disbursed by Purpose
Sistem Perbankan: Pinjaman yang Dikeluarkan Mengikut TujuanBanking System: Loans Disbursed by Purpose
RM juta / RM million
2014 9 2,969.0 3,917.0 3,473.6 7,252.5 5,331.0 587.2 2,809.4 8,585.3 56.4 2,949.5 55,661.9 4,696.4 94,815.710 3,986.9 3,948.4 3,493.0 7,818.4 5,003.5 278.4 2,639.1 8,873.8 52.8 3,569.2 56,799.9 3,936.8 96,907.211 2,913.5 3,998.5 3,522.2 7,309.3 4,266.5 503.0 2,395.8 8,655.4 63.2 3,392.0 49,931.6 4,362.8 87,791.712 2,804.6 4,607.8 4,157.6 8,054.4 5,157.1 287.4 2,768.9 10,279.6 49.7 4,284.0 60,819.4 3,882.7 102,995.4
2015 1 2,860.7 4,367.7 3,887.2 7,865.3 4,937.1 491.2 2,212.4 9,230.8 48.7 2,991.2 52,457.3 4,050.3 91,512.82 2,354.9 4,229.7 3,837.1 6,790.6 4,197.0 280.9 2,337.8 8,187.4 40.4 2,860.5 42,253.0 3,598.7 77,131.03 2,789.6 5,010.1 4,623.3 7,996.8 6,843.8 308.2 2,619.9 10,297.1 55.5 3,161.6 53,816.0 5,879.2 98,777.8
1.14
Tempoh Pembelian sekuritiPembelian kenderaan
pengangkutan
yang mana: Pembelian kereta
penumpang
Pembelian harta kediaman
Pembelian harta bukan kediaman
Pembelian aset tetap selain tanah
dan bangunan
Kegunaan persendirian Kad kredit Pembelian
barangan pengguna Pembinaan Modal kerja Tujuan lain1 Jumlah pinjaman dikeluarkan
Period Purchase of securities
Purchase of transport vehicle
of which: Purchase of passenger cars
Purchase of residential property Working capital
Other purpose 1
Total loans disbursed
Purchase of non-residential property
Purchase of fixed assets other than land and building
Personal uses Credit cardsPurchase of
consumer durable goods
Construction
, , , , , , , , , , ,4 2,767.6 3,996.1 3,300.6 8,526.5 4,353.4 338.5 2,678.5 8,202.4 58.1 2,359.6 45,169.5 4,257.9 82,708.35 1,996.6 3,960.3 3,515.6 7,135.0 3,996.1 233.1 2,428.8 8,581.5 10.5 2,363.0 49,090.9 3,030.0 82,825.86 1,577.8 4,448.3 3,987.8 7,937.2 5,005.4 482.8 2,444.8 8,911.8 8.7 2,823.0 56,763.6 7,821.1 98,224.47 1,882.9 4,735.4 4,328.3 7,378.3 4,544.7 258.4 2,322.2 9,021.0 7.9 2,394.4 50,111.3 3,996.4 86,653.18 1,597.4 3,998.5 3,591.9 6,994.3 3,478.8 720.4 2,386.7 8,819.9 6.5 2,285.3 53,510.2 4,339.9 88,138.19 1,575.7 4,314.6 3,770.8 7,257.4 4,798.7 176.7 2,518.6 8,836.9 4.6 2,880.3 59,716.5 6,732.7 98,812.710 1,983.0 4,315.0 3,822.6 7,937.6 4,808.4 328.2 2,628.7 9,269.9 4.9 2,621.2 51,470.8 4,269.9 89,637.811 1,863.5 4,064.8 3,607.3 7,630.4 3,176.3 214.3 2,452.7 9,246.4 4.9 2,352.0 48,861.9 5,431.4 85,298.512 2,049.4 4,420.2 4,036.3 7,792.0 3,837.5 404.7 2,753.4 10,463.4 6.0 2,868.3 64,758.0 9,044.3 108,397.2
2016 1 1,925.3 4,127.2 3,721.3 7,456.5 4,152.9 264.7 2,150.9 9,729.3 4.8 2,397.3 51,692.2 7,871.9 91,772.92 1,788.6 3,162.4 2,840.7 6,299.2 3,261.0 113.0 2,257.1 8,383.1 3.7 2,194.6 47,306.1 3,220.3 77,989.13 2,605.5 3,696.6 3,284.8 7,773.0 4,302.6 166.5 2,258.5 9,433.0 3.5 2,364.6 53,713.4 5,884.3 92,201.54 2,711.3 3,509.3 3,127.9 6,702.0 3,793.5 287.8 2,139.5 8,897.0 4.3 1,954.3 47,640.7 3,704.8 81,344.45 2,373.6 3,705.5 3,114.7 6,854.1 3,419.0 187.9 2,516.1 9,326.8 4.0 2,099.5 54,164.9 3,862.2 88,513.66 1,880.0 4,204.3 3,620.0 6,937.7 4,194.1 643.3 2,562.4 9,052.4 3.8 2,584.8 52,641.3 4,872.3 89,576.57 1,930.8 3,961.7 3,348.3 5,810.7 3,144.8 207.1 1,903.4 9,705.7 4.7 1,972.9 46,576.0 1,929.0 77,146.78 2,359.4 4,191.7 3,710.6 7,066.3 3,522.6 504.6 2,424.3 9,465.0 6.3 2,246.8 48,623.7 2,410.5 82,821.19 2,383.8 4,057.5 3,561.0 6,693.4 3,898.9 239.4 2,280.7 9,427.5 4.2 2,806.4 56,551.8 4,008.9 92,352.6
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).1 Termasuk pinjaman untuk tujuan penggabungan dan pengambilalihan
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.
Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).
1 Includes loans for purpose of mergers and acquisition
33
Sistem Perbankan: Pinjaman yang Dikeluarkan Mengikut SektorBanking System: Loans Disbursed by Sectors 1.15Sistem Perbankan: Pinjaman yang Dikeluarkan Mengikut SektorBanking System: Loans Disbursed by Sector 1
RM juta / RM million
2014 9 2,505.4 670.1 18,217.2 609.2 22,781.9 5,040.5 4,715.9 3,021.3 7,792.3 844.0 25,002.1 3,615.8 94,815.710 2,492.8 647.1 19,592.3 644.2 19,940.0 6,942.5 3,804.9 1,786.0 11,732.6 1,199.8 25,685.5 2,439.5 96,907.211 2,750.4 707.5 16,292.1 610.4 19,288.5 5,512.8 4,930.7 2,554.5 7,019.1 1,291.4 24,446.3 2,387.9 87,791.712 3,140.6 1,582.3 18,789.8 878.4 20,533.6 6,789.2 5,567.3 2,888.1 10,264.6 1,673.8 27,637.2 3,250.5 102,995.4
2015 1 2,706.0 3,891.7 16,915.1 608.1 17,078.7 5,633.1 4,117.1 1,203.5 8,409.8 3,773.4 26,375.0 801.3 91,512.82 2,250.9 1,967.7 14,457.2 630.2 12,873.6 5,050.3 4,167.9 2,588.8 8,041.7 748.0 23,333.3 1,021.3 77,131.03 3,864.7 1,179.2 19,075.3 572.5 17,034.4 6,673.5 4,988.7 2,322.7 8,467.9 1,562.8 28,701.7 4,334.4 98,777.84 2,470.4 794.5 16,428.4 661.2 15,693.9 5,144.6 3,529.1 2,315.0 6,092.0 1,312.7 25,216.8 3,049.7 82,708.35 3,778.7 1,478.3 16,541.1 1,226.9 14,738.2 4,546.2 4,663.8 1,433.2 8,337.2 881.9 23,447.3 1,753.0 82,825.86 4 432 9 1 617 4 18 784 0 642 2 18 532 1 5 658 5 3 858 7 2 923 3 8 723 3 3 638 2 24 836 7 4 577 3 98 224 4
Education, health & others
Household sector 2
Other sector n.e.c 3
Total loans disbursedReal estate Transport, storage
and communicationFinance, insurance and
business activitiesElectricity, gas and
water supplyWholesale & retail trade, and restaurants & hotels Construction
Sektor isirumah2
Sektor t.d.d.l.3
Jumlah pinjaman
dikeluarkan
Period Primary agriculture Mining and quarryingManufacturing
(including agro-based)
Aktiviti kewangan, insurans dan perniagaan
Pendidikan, kesihatan dan
lain-lainPembinaan Harta tanah
Pengangkutan, penyimpanan dan
komunikasi
1.15
Tempoh Pertanian primer Perlombongan dan kuari
Perkilangan (termasuk asas tani)
Elektrik, gas dan bekalan air
Perdagangan borong & runcit, restoran dan hotel
6 4,432.9 1,617.4 18,784.0 642.2 18,532.1 5,658.5 3,858.7 2,923.3 8,723.3 3,638.2 24,836.7 4,577.3 98,224.47 3,138.2 544.0 16,958.8 673.5 17,235.6 5,677.2 4,206.1 2,058.6 6,115.1 1,846.8 24,780.0 3,419.2 86,653.18 3,129.9 2,319.6 17,700.2 607.2 15,850.6 4,407.9 5,906.3 1,892.2 7,390.4 1,264.5 23,287.8 4,381.4 88,138.19 3,878.0 777.0 19,701.9 590.6 17,659.3 5,675.1 4,640.5 1,772.1 10,941.0 768.6 24,122.2 8,286.4 98,812.710 3,111.2 1,347.9 17,047.5 681.0 17,672.2 5,387.3 4,591.1 1,869.7 7,703.1 1,285.8 25,423.0 3,518.1 89,637.811 2,924.3 750.1 15,804.9 520.7 16,546.5 5,002.3 3,774.8 972.3 9,959.1 878.5 24,704.9 3,460.2 85,298.512 4,166.5 3,759.3 20,514.4 1,468.8 18,519.2 6,274.4 4,903.2 1,188.0 13,949.3 2,526.1 26,667.1 4,461.0 108,397.2
2016 1 3,879.7 541.0 17,806.9 560.7 16,175.1 5,632.5 4,249.3 1,074.5 9,612.4 3,821.6 24,930.0 3,489.2 91,772.92 3,224.0 723.9 15,351.3 517.8 14,522.3 4,727.2 3,938.5 2,219.6 7,699.8 1,190.2 21,433.4 2,440.9 77,989.13 4,050.3 514.0 15,703.5 1,230.7 16,748.9 6,518.2 4,433.5 2,101.7 11,013.6 2,428.1 24,552.2 2,906.7 92,201.54 3,564.1 565.0 15,021.6 882.3 15,686.1 4,954.6 5,527.1 1,295.6 8,271.4 1,023.6 22,602.6 1,950.3 81,344.45 3,036.7 726.8 16,806.8 1,178.6 16,434.5 5,020.9 3,973.7 5,375.6 9,025.0 1,050.8 23,430.1 2,453.9 88,513.66 4,546.8 780.7 17,436.6 504.9 16,978.1 6,191.7 5,232.4 1,576.3 9,021.6 2,087.2 23,650.8 1,569.4 89,576.57 3,394.3 415.7 15,981.4 612.1 15,277.8 5,560.9 3,429.0 1,539.4 5,671.7 1,517.1 21,931.7 1,815.5 77,146.78 3,002.3 927.8 17,072.6 583.5 17,081.3 5,573.0 4,162.2 1,803.9 5,734.4 993.4 24,447.4 1,439.2 82,821.19 4,554.5 826.3 17,996.4 691.8 17,379.1 5,832.8 5,765.4 2,070.7 10,060.3 1,834.3 23,577.6 1,763.3 92,352.6
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).Pecahan mengikut sektor ekonomi/industri dan tujuan adalah berbeza dengan klasifikasi terdahulu di bawah Jadual 1.15.1 (sila rujuk Glosari untuk maklumat lanjut).1 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard
Perindustrian Malaysia 2000 (MSIC 2000).2 Sektor isirumah = Jumlah tujuan pinjaman mengikut tujuan kepada isirumah.3 Termasuk pinjaman kepada perniagaan individu.
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.
Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).The breakdown by economic sectors/industries and purpose is not strictly comparable to theprevious classification in Table 1.15.1 (please refer to the Glossary for further details).1 The definitions of the economic sectors/industries are based on the Malaysian
Standard Industrial Classification (MSIC) 2000.2 Household sector = total loans by purpose to households.
3 Includes loans to individual businesses.
34
Sistem Perbankan: Pinjaman yang Dibayar Mengikut TujuanBanking System: Loans Repaid by Purpose1.16
Sistem Perbankan: Pinjaman yang Dibayar Mengikut TujuanBanking System: Loans Repaid by Purpose
RM juta / RM million
2014 9 2,649.9 4,120.4 3,598.2 4,665.9 3,353.5 352.6 2,319.4 9,038.0 18.6 2,326.2 49,424.2 5,558.7 83,827.210 2,825.0 4,248.2 3,729.6 4,815.8 3,721.3 277.0 2,514.5 9,395.6 20.0 2,831.3 55,735.1 2,708.6 89,092.511 2,520.0 3,995.1 3,461.0 4,602.3 3,247.9 303.8 2,327.4 8,397.4 23.1 2,786.6 48,212.8 3,796.4 80,212.712 2,938.5 4,350.2 3,839.2 5,013.4 3,599.3 438.0 2,546.4 10,091.1 23.9 4,434.2 52,673.7 3,090.8 89,199.6
2015 1 2,728.2 4,279.8 3,759.9 5,050.6 3,963.0 289.4 2,535.8 9,789.6 23.3 2,917.1 54,915.3 4,559.5 91,051.62 1,970.0 3,929.3 3,426.4 4,547.1 3,617.5 383.2 2,181.5 8,455.3 23.6 2,507.3 39,777.3 7,299.6 74,691.53 2,665.4 4,454.2 4,002.2 4,848.4 3,660.0 257.6 2,338.0 10,757.9 26.1 3,628.6 50,987.3 6,241.2 89,864.7
1.16
Tempoh Pembelian sekuriti
Pembelian kenderaan
pengangkutan
yang mana: Pembelian kereta
penumpang
Pembelian harta kediaman
Pembelian harta bukan kediaman
Pembelian aset tetap selain tanah
dan bangunan
Kegunaan persendirian Kad kredit
Pembelian baranganpengguna
Pembinaan Modal kerja Tujuan lain1 Jumlah pinjaman dibayar
Period Purchase of securities
Purchase of transport vehicle
of which: Purchase of passenger cars
Purchase of residential property Working capital
Otherpurpose 1 Total loans repaidPurchase of non-
residential property
Purchase of fixed assets other than land and building
Personal uses Credit cardsPurchase of consumer
durable goodsConstruction
3 2,665.4 4,454.2 4,002.2 4,848.4 3,660.0 257.6 2,338.0 10,757.9 26.1 3,628.6 50,987.3 6,241.2 89,864.74 3,287.9 4,242.9 3,706.9 4,989.5 3,747.4 372.5 2,210.6 9,374.3 26.5 2,097.9 47,035.7 4,038.7 81,424.05 2,296.7 4,139.1 3,635.2 4,402.6 3,780.6 302.2 2,121.2 9,017.1 9.6 2,277.4 43,759.6 2,594.9 74,701.06 2,093.2 4,318.0 3,755.5 4,656.0 3,705.7 625.5 2,282.2 9,216.4 6.5 2,956.1 51,047.3 6,348.3 87,255.17 2,480.9 4,329.7 3,814.4 4,689.1 3,817.1 271.5 2,211.0 9,453.5 6.5 1,968.1 50,444.4 4,180.4 83,852.38 2,526.9 4,127.5 3,635.8 4,424.0 4,078.2 260.3 2,162.0 8,881.3 9.1 1,906.2 46,326.6 3,823.7 78,525.79 1,891.5 4,340.9 3,825.9 4,659.5 3,449.4 257.9 2,187.0 9,334.5 8.1 2,192.4 58,463.7 6,104.4 92,889.2
10 1,845.5 4,528.4 3,848.3 4,702.3 3,977.2 554.4 2,251.8 9,602.3 6.9 2,070.0 50,325.1 5,258.4 85,122.311 2,075.8 4,255.4 3,707.6 4,507.5 4,338.4 567.5 2,141.6 9,110.2 5.1 1,648.6 50,064.4 7,131.5 85,846.112 1,706.0 4,469.1 3,977.5 4,604.0 3,641.9 570.4 2,489.6 10,148.8 5.8 2,426.1 57,257.1 8,591.8 95,910.5
2016 1 2,877.9 4,311.7 3,777.5 4,463.0 4,008.3 450.6 2,367.7 9,869.4 4.8 2,165.7 53,726.0 8,420.8 92,665.82 2,213.2 4,071.9 3,597.2 4,503.8 3,415.7 234.7 2,074.3 9,638.8 5.3 1,720.5 47,877.8 4,012.7 79,768.73 4,620.9 4,564.9 4,044.5 5,576.3 3,471.7 320.5 2,294.3 10,386.5 5.1 1,993.6 52,784.8 6,271.8 92,290.44 3,387.3 4,232.5 3,740.9 4,729.2 3,747.9 328.0 2,216.7 9,277.7 5.2 1,976.5 52,375.8 3,235.5 85,512.35 2,248.2 4,531.0 4,008.7 5,024.2 3,757.9 349.8 2,368.8 9,779.1 5.4 2,176.2 49,951.2 3,040.3 83,232.16 2,294.0 4,449.6 3,851.7 4,695.3 3,444.0 354.8 2,220.4 9,478.3 3.8 2,325.5 52,317.9 4,039.9 85,623.57 2,448.1 4,287.7 3,745.1 4,400.1 3,479.6 282.2 2,248.7 9,253.9 6.0 2,032.9 47,628.7 2,334.4 78,402.48 2,471.6 4,538.0 3,942.1 4,949.1 3,886.1 643.0 2,323.4 9,919.0 4.9 1,828.7 49,077.2 2,708.7 82,349.89 2,361.6 4,487.7 3,880.8 4,827.0 3,532.8 384.6 2,416.5 9,657.3 3.6 2,616.0 53,228.6 3,207.7 86,723.4
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).1 Termasuk pinjaman untuk tujuan penggabungan dan pengambilalihan
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).
1 Includes loans for purpose of mergers and acquisition
35
1.17 Sistem Perbankan: Pinjaman yang Dibayar Mengikut SektorBanking System: Loans Repaid by Sectors
Sistem Perbankan: Pinjaman yang Dibayar Mengikut Sektor1
Banking System: Loans Repaid by Sector 1
RM juta / RM million
2014 9 3,013.1 382.5 16,966.5 558.1 21,520.5 4,332.3 3,520.5 2,903.1 6,663.1 775.4 21,827.2 1,364.9 83,827.210 3,108.5 803.8 18,836.6 665.4 18,821.4 5,254.5 3,476.3 1,850.5 9,662.9 1,165.7 22,421.5 3,025.5 89,092.511 3,049.7 553.9 16,706.2 753.0 18,470.3 5,426.6 3,157.7 1,917.1 5,941.5 1,255.7 20,501.6 2,479.5 80,212.712 2,864.7 1,185.9 19,269.2 568.7 19,989.3 5,337.7 4,145.9 2,672.1 6,908.4 1,295.2 23,249.0 1,713.8 89,199.6
2015 1 2,414.7 1,883.5 17,665.4 552.3 17,283.4 6,327.6 4,280.6 1,861.0 10,228.4 925.6 23,310.3 4,318.8 91,051.62 2,213.1 2,057.6 15,659.8 2,522.1 12,757.7 4,745.7 3,746.8 1,555.7 5,501.3 2,772.5 20,275.9 883.6 74,691.53 3,272.3 1,002.6 19,793.6 600.9 15,790.7 5,619.4 3,797.2 2,200.1 8,279.8 887.1 24,211.6 4,409.2 89,864.74 2,492.6 745.2 16,601.4 1,249.4 14,953.8 5,049.8 4,059.8 1,824.6 6,736.1 1,901.4 22,719.7 3,090.4 81,424.05 2,417.7 733.1 16,464.0 880.7 14,215.3 4,357.7 3,957.0 1,411.1 6,300.8 1,370.1 20,962.8 1,630.7 74,701.0
1.17
Tempoh Pertanian primer Perlombongan dan kuari
Perkilangan (termasuk asas tani)
Elektrik, gas dan bekalan air
Perdagangan borong & runcit,
restoran dan hotel
Pembinaan Harta tanahPengangkutan,
penyimpanan dan komunikasi
Aktiviti kewangan,insurans dan perniagaan
Pendidikan, kesihatan dan
lain-lain
Sektor isirumah2 Sektor t.d.d.l.3
Jumlah pinjaman dibayar
Period Primary agriculture Mining and quarryingManufacturing
(including agro-based)
Electricity, gas and water supply
Wholesale & retail trade, and restaurants &
hotels
Construction Education, health & others
Household sector 2
Other sector n.e.c 3
Total loans repaidReal estate Transport, storage
and communication
Finance, insurance and
business activities
5 2,417.7 733.1 16,464.0 880.7 14,215.3 4,357.7 3,957.0 1,411.1 6,300.8 1,370.1 20,962.8 1,630.7 74,701.06 4,117.8 2,082.5 17,213.9 624.1 17,439.4 6,456.9 3,135.8 3,172.6 7,994.9 1,183.3 21,677.9 2,156.0 87,255.17 3,137.8 652.5 17,993.4 626.1 16,364.0 4,926.7 4,242.4 1,752.4 6,868.7 1,825.9 22,065.2 3,397.2 83,852.38 2,660.6 978.0 15,969.9 658.0 14,701.8 4,497.4 4,444.4 1,817.4 8,449.7 738.0 21,031.8 2,578.6 78,525.79 3,657.1 725.3 19,197.7 527.2 17,254.4 5,007.6 3,528.4 1,613.1 10,066.1 1,051.7 21,621.0 8,639.7 92,889.210 3,014.8 1,543.7 17,498.3 603.0 17,955.9 4,999.3 3,831.8 1,394.0 7,494.1 899.2 22,016.0 3,872.2 85,122.311 3,038.4 683.6 16,867.8 1,791.8 16,732.7 4,262.6 4,519.2 1,965.1 7,982.4 3,124.8 21,231.4 3,646.2 85,846.112 4,185.8 3,380.8 19,002.1 511.2 17,723.3 4,920.6 3,507.1 2,242.5 11,080.5 2,125.8 22,544.1 4,686.6 95,910.5
2016 1 4,140.5 980.4 18,048.2 496.0 17,240.6 5,554.5 3,384.4 1,327.8 9,734.7 4,042.9 23,165.4 4,550.4 92,665.82 3,039.9 746.0 15,734.9 593.3 14,953.5 4,424.2 3,489.2 2,436.0 8,243.8 1,149.5 21,788.5 3,170.1 79,768.73 5,424.8 446.9 15,696.4 3,405.2 16,548.2 5,650.4 3,828.8 2,411.4 9,970.1 1,349.5 24,867.2 2,691.6 92,290.44 3,770.2 930.8 15,439.3 732.4 15,688.6 4,842.1 5,149.5 1,833.2 11,449.2 1,201.4 21,880.8 2,594.9 85,512.35 2,545.9 658.1 16,283.0 705.4 16,203.4 5,327.8 3,683.7 4,540.9 6,465.9 1,400.3 22,980.0 2,437.7 83,232.16 4,030.2 610.1 17,363.9 810.6 17,077.4 5,858.5 4,353.2 1,695.0 7,450.0 1,849.4 21,952.1 2,573.2 85,623.57 3,524.6 462.0 16,462.0 566.1 15,638.0 4,752.3 4,086.0 1,341.5 7,599.3 889.3 21,198.2 1,883.2 78,402.48 2,777.3 790.8 17,020.7 800.7 16,667.3 6,166.7 4,352.4 2,029.9 6,035.4 1,053.6 23,040.9 1,613.9 82,349.89 4,460.2 816.4 17,301.0 626.5 16,439.5 5,143.2 4,096.2 2,101.0 10,480.3 1,530.2 22,346.9 1,381.8 86,723.4
Nota: Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepadasemua pelanggan. Oleh itu, pinjaman kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. Pinjaman mengikut sektor (sektor ekonomi/industri + sektorisirumah = Pinjaman mengikut tujuan (Jumlah pinjaman).Pecahan mengikut sektor ekonomi/industri dan tujuan adalah berbeza dengan klasifikasi terdahulu di bawah Jadual 1.17.1 (sila rujuk Glosari untuk maklumat lanjut).1 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard
Perindustrian Malaysia 2000 (MSIC 2000).2 Sektor isirumah = Jumlah tujuan pinjaman mengikut tujuan kepada isirumah.3 Termasuk pinjaman kepada perniagaan individu.
Notes With effect from April 2006, following reclassifications under the Financial InstitutionsStatistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers.
Therefore, a loan to a non-household customer will be reflected in both economicsector/industry and purpose. Loans by sector (economic sector/industry + householdsector) = Loans by purpose (Total loans).The breakdown by economic sectors/industries and purpose is not strictly comparable to the previous classification under Table 1.17.1 (please refer to the Glossary for further details).
1 The definitions of the economic sectors/industries are based on the MalaysianStandard Industrial Classification (MSIC) 2000.
2 Household sector = total loans by purpose to households.3 Includes loans to individual businesses.
36
1.18 Sistem Perbankan: Pinjaman Mengikut Jenis1
BankingSystem:ClassificationofLoansbyType1
Sistem Perbankan: Pinjaman Mengikut Jenis1
Banking System: Classification of Loans by Type 1
RM Juta / RM million
Jumlahyang mana:
Keretapenumpang
Sehinggasatu tahun
Melebihisatu tahun
Totalof which:
Passengercars
LeasingBlock
discounting
Bridgingloans
Syndicatedloans Factoring Personal
loansHousing
loans Others Up toone year
More thanone year
Tradebills 2
Trustreceipts
Revolvingcredit
Foreigncurrency
loansOthers 3 Total
loans
2015 1 50,162.8 167,777.5 146,820.1 971.0 356.7 5,595.0 23,835.8 979.8 36,858.6 379,622.3 425,803.9 29,364.9 1,012,435.7 54,409.7 3,989.1 73,981.6 62,787.0 57,218.9 1,344,349.6 2 50,367.1 168,355.1 147,600.8 968.2 351.8 5,755.5 23,324.3 950.2 36,549.2 382,636.5 426,892.1 27,517.9 1,018,264.9 54,291.8 4,003.1 74,790.3 62,858.0 57,525.5 1,349,618.6 3 50,448.3 169,069.9 153,350.9 969.7 350.8 5,751.9 23,077.9 977.2 35,902.0 387,556.8 431,779.5 27,677.1 1,027,758.4 55,302.0 4,006.3 75,270.5 64,141.3 57,303.2 1,361,907.2 4 50,208.9 169,085.8 153,588.7 987.8 352.6 5,490.7 23,503.0 1,006.3 36,080.8 391,939.7 432,072.3 26,658.3 1,033,860.6 54,489.8 3,913.7 73,932.9 62,450.4 56,566.7 1,362,081.2 5 50,894.1 169,084.5 153,788.0 979.1 352.4 5,513.0 23,638.1 931.8 36,173.6 395,512.5 434,218.5 26,831.2 1,039,572.3 54,713.8 4,043.5 74,468.7 66,754.1 56,381.2 1,373,658.8
Resitamanah
Lain-lain
yang mana tempoh Hire purchase of which the maturity was:
Pinjamanpenyambu
ng
Pinjamanbersindiket
Pemfaktoran
Pinjamanperibadi
1.18
Akhir tempoh Overdraf
Pinjaman berjangka
End of period Overdraft
Pinjamandalam
mata wang asing
Lain-lain3 Jumlahpinjaman
Kreditpusingan
Term loansSewa beli
PajakanPendiskaun
ansecara blok
Pinjamanperumahan
Bilperdagang
an2
5 50,894.1 169,084.5 153,788.0 979.1 352.4 5,513.0 23,638.1 931.8 36,173.6 395,512.5 434,218.5 26,831.2 1,039,572.3 54,713.8 4,043.5 74,468.7 66,754.1 56,381.2 1,373,658.86 51,072.2 169,451.9 154,207.5 984.7 348.4 5,664.3 24,381.7 990.6 36,446.3 399,162.6 437,142.8 25,627.2 1,048,946.1 54,428.4 4,134.6 74,253.9 72,227.9 57,004.4 1,387,694.6 7 51,071.5 170,189.5 155,085.7 963.3 350.3 5,742.5 24,902.8 951.3 36,699.2 402,324.6 438,693.0 25,639.9 1,055,176.6 53,380.1 4,117.1 74,194.6 75,143.7 56,943.6 1,395,667.2 8 51,496.5 170,458.8 155,442.9 971.0 354.8 5,783.6 24,897.3 944.7 37,152.6 405,756.4 440,321.6 25,161.5 1,061,479.3 54,085.0 4,205.2 75,951.1 83,653.7 56,754.3 1,412,786.7 9 51,538.6 170,413.4 155,490.4 1,024.3 362.3 5,781.7 25,503.0 867.6 37,031.8 409,182.7 443,233.4 25,562.4 1,067,837.9 54,934.4 4,291.8 78,051.4 85,205.6 56,598.5 1,424,020.5 10 51,649.9 170,580.9 155,818.9 1,008.5 364.6 5,895.3 25,487.3 982.9 37,420.5 412,818.5 445,574.2 25,590.9 1,074,541.8 54,999.6 4,326.0 78,551.6 82,270.7 57,275.2 1,429,205.7 11 52,089.6 170,696.4 156,074.3 903.4 366.0 5,879.6 25,366.7 1,014.8 37,515.5 414,516.9 445,122.4 27,082.9 1,074,298.8 54,690.5 4,299.8 78,422.1 80,528.2 60,009.3 1,431,421.2 12 52,126.5 170,800.0 156,329.4 920.8 366.4 6,035.5 24,704.5 1,036.4 37,829.0 418,365.2 449,360.3 25,282.6 1,084,135.4 55,049.9 4,369.9 81,963.6 80,550.7 61,660.6 1,445,139.3
2016 1 51,914.4 170,967.1 156,577.6 946.8 367.3 6,143.9 24,893.9 1,056.4 38,272.0 422,340.8 450,061.7 22,582.4 1,092,467.4 55,228.8 4,351.7 81,551.9 77,212.1 61,983.7 1,447,292.4 2 52,003.5 170,377.9 156,156.1 949.7 365.3 6,095.0 24,788.9 974.9 37,980.8 423,040.1 450,478.3 21,172.5 1,093,878.3 55,570.3 4,400.7 80,773.8 79,169.0 62,889.9 1,449,858.0 3 52,425.6 169,827.8 155,630.3 903.0 367.9 6,227.6 22,969.2 969.2 38,621.7 425,878.1 448,004.8 20,713.9 1,093,055.5 55,478.6 4,360.1 85,430.0 74,909.1 63,107.3 1,449,480.1 4 52,284.7 169,546.6 155,482.7 897.4 368.8 5,532.1 22,787.6 980.0 38,742.7 429,116.6 447,769.9 22,138.6 1,093,603.1 54,529.1 4,328.9 82,364.6 75,344.9 63,250.5 1,447,844.5 5 52,191.4 169,031.3 155,529.7 896.6 370.5 5,462.6 23,804.5 990.0 38,808.8 432,465.5 447,553.3 20,493.3 1,098,889.7 54,077.8 4,207.7 85,308.7 79,911.6 63,435.9 1,458,516.1 6 52,925.4 169,016.9 155,688.6 890.2 371.7 5,480.8 23,736.2 1,032.9 39,051.0 435,812.7 450,289.2 20,476.2 1,105,205.5 55,623.9 4,190.0 84,929.7 77,980.1 63,878.3 1,465,209.0 7 52,629.8 168,937.6 154,892.5 876.7 370.5 5,420.1 23,909.7 1,028.9 39,099.0 432,835.2 457,304.1 20,070.3 1,109,711.6 54,918.6 4,291.8 83,866.8 78,181.1 63,619.3 1,467,289.4 8 52,726.3 168,985.9 155,653.9 874.6 369.0 5,413.0 24,407.6 1,038.5 39,319.5 436,271.5 458,581.0 18,773.6 1,116,487.1 54,876.6 4,204.0 83,271.1 77,981.7 63,779.9 1,472,100.1 9 53,309.1 168,901.2 155,658.3 857.1 368.0 5,494.4 24,360.1 1,007.3 39,476.8 438,506.6 461,203.9 16,551.4 1,123,624.1 54,644.3 4,057.5 85,287.8 81,345.5 65,004.5 1,483,824.2
1 Termasuk pinjaman yang dijual kepada Cagamas.2 Terdiri daripada penerimaan tanggungan pelanggan, penerimaan sendiri terdiskaun dan lain-lain bil perdagangan terdiskaun.3 Terdiri daripada pinjaman SPI, pinjaman penstokan lantai, kad kredit bukan SPI, pinjaman kakitangan dan pinjaman lain.
Pecahan jumlah tidak semestinya sama dengan jumlah besar disebabkan oleh penghampiran angka.
1 Include loans sold to Cagamas .2 Comprises customers liabilities for acceptances, own acceptances discounted and other trade bills discounted.3 Comprises SPI loans, loor stocking loans, non-SPI credit cards, staff loans and other loans. Sub-total may not necessarily add-up to grand total due to rounding.
37
1.18.1 Sistem Perbankan Islam: Pembiayaan Mengikut Jenis1 Islamic Banking System: Financing by Type1
Sistem Perbankan Islam: Pembiayaan Mengikut JenisIslamic Banking System: Financing by Type
RM juta / RM million
Jumlahyang mana:
Kereta penumpang
Sehingga satu tahun
Melebihi satu tahun
Overdraft Totalof which:
Passenger cars
Leasing Block discounting
Bridging financing
Syndicated financing Factoring Personal
financingHousing
financing 1 Others Up toone year
More than one year
Bill Financing
Trust receipts
Revolving credit
Foreign currency financing
Others 2 Total financing
2015 1 7,342.7 70,265.3 59,772.7 970.3 1.6 82.8 5,827.7 0.0 27,883.8 79,421.1 105,283.0 7,798.1 281,937.5 9,762.8 510.2 22,066.3 10,992.5 3,648.0 344,058.12 7,465.6 70,690.1 60,319.3 967.6 1.5 85.0 6,200.1 0.0 27,523.5 80,541.7 107,550.0 7,597.9 285,961.5 9,700.7 548.0 22,301.3 11,650.5 3,784.7 349,010.2
Pajakan Pendisk-aunansecara blok
Pembiayaan penyambung
End of period
Bil pembiaya-
anPembiayaan bersindiket Pemfaktoran Pembiayaan
peribadiPembiayaan perumahan1
1.18.1
Akhir tempoh
Overdraf
Pembiayaan berjangka
Sewa beli1
Kredit pusingan
Pembiayaan dalam
mata wangasing
Lain-lain2 Jumlah pembiayaan
Lain-lain
yang mana tempoh matangnya:
of which the maturity was:
Term financing
Resit amanahHire purchase 1
, , , , , , , , , , , , , ,3 7,775.4 71,411.1 66,066.4 969.0 1.4 87.7 6,181.0 0.0 26,650.6 82,552.0 109,007.4 6,821.1 290,039.1 9,594.6 564.4 22,941.3 12,009.6 3,762.5 353,508.14 7,676.4 71,608.3 66,416.1 987.1 1.3 92.2 6,360.3 0.0 26,783.6 84,165.5 110,751.8 6,627.4 294,122.6 9,418.4 559.8 21,778.4 11,850.9 3,799.3 355,833.15 7,881.2 71,819.5 66,698.2 978.4 1.2 95.1 6,206.6 0.0 26,781.3 85,472.0 112,241.7 6,532.4 297,063.5 9,469.1 585.7 22,231.0 12,583.6 3,765.5 360,112.06 8,136.2 72,187.5 67,120.1 984.0 1.1 98.6 7,354.4 0.0 26,866.9 86,974.1 115,052.9 6,675.7 302,843.8 9,549.4 539.0 20,785.9 12,315.1 3,848.3 364,693.37 8,163.5 72,753.6 67,740.9 962.7 1.0 102.5 7,897.7 0.0 26,945.3 88,326.2 116,148.2 6,872.2 306,265.0 9,488.0 594.3 20,832.4 12,621.4 3,881.4 368,718.38 8,419.6 72,977.3 68,010.0 970.4 1.0 100.6 8,167.8 0.0 27,195.9 89,790.0 116,925.3 6,478.9 309,649.3 9,657.3 639.9 20,992.7 13,868.6 3,895.6 373,601.99 8,577.0 72,987.6 68,026.2 1,023.7 0.9 125.5 8,517.8 0.0 26,856.3 91,324.4 119,333.2 6,744.8 313,424.7 9,887.1 649.2 21,232.6 13,909.9 3,864.1 378,289.410 8,726.8 72,902.7 68,017.9 1,007.8 0.8 138.9 8,566.8 0.0 27,055.8 92,937.3 121,520.1 6,827.0 317,303.2 10,121.1 719.6 21,448.9 14,112.5 3,935.6 383,194.811 9,167.2 72,660.0 67,834.3 902.8 0.8 145.4 8,807.6 0.0 27,070.5 94,101.8 123,310.6 7,052.7 319,946.9 9,717.3 691.4 21,867.1 13,040.0 4,051.5 385,534.112 9,192.8 72,343.3 67,539.3 920.4 0.6 171.5 8,975.0 0.0 27,295.8 95,958.7 124,325.4 6,198.0 323,792.7 9,914.2 711.6 23,727.3 13,149.3 4,165.6 390,851.5
2016 1 9,289.6 72,005.5 67,264.4 946.4 0.5 175.7 9,061.4 0.0 27,813.0 97,330.9 125,291.2 6,257.1 326,367.6 10,124.9 620.3 23,435.5 12,332.8 4,236.1 392,663.82 9,377.4 71,614.7 66,923.2 949.4 0.4 179.2 9,026.3 0.0 27,463.7 98,460.9 126,441.3 6,254.5 327,881.6 10,837.2 658.4 23,454.0 12,994.1 4,271.6 395,728.73 9,749.1 71,188.5 66,489.7 902.6 0.4 177.7 8,436.6 0.0 28,013.2 99,999.7 125,855.0 6,211.5 328,362.0 10,412.0 666.9 26,012.7 12,250.0 4,422.7 398,087.14 9,682.9 70,923.0 66,303.4 897.0 0.3 172.2 8,318.3 0.0 28,060.3 101,451.7 126,434.6 7,918.5 328,338.9 10,281.6 692.3 25,939.9 12,067.2 4,537.3 399,458.65 9,819.6 70,582.0 66,421.6 896.2 0.3 137.5 9,638.2 0.0 28,055.1 102,852.1 126,169.9 6,141.7 332,189.6 10,152.7 643.1 28,498.9 12,550.0 4,598.4 404,594.06 10,202.8 70,584.1 66,564.6 889.8 0.3 162.2 9,889.6 0.0 28,197.7 104,266.3 127,094.5 6,200.2 334,884.3 10,951.7 647.5 29,303.1 12,211.7 4,735.8 409,137.07 10,161.0 70,463.5 65,663.6 876.3 0.3 168.1 9,926.2 0.0 28,199.8 105,124.5 127,888.8 5,862.7 336,784.7 10,857.8 625.0 28,820.6 12,201.6 4,700.7 410,014.08 10,293.3 70,430.8 66,454.3 874.3 0.3 167.6 9,923.4 0.0 28,349.0 106,456.4 129,063.0 5,429.6 339,835.2 11,062.0 604.0 27,363.2 12,027.8 4,727.4 411,342.69 10,544.8 70,356.3 66,399.0 856.7 0.3 170.7 10,014.1 0.0 28,419.6 107,710.6 130,595.2 3,425.3 344,698.2 11,070.7 588.7 28,037.2 12,252.3 4,792.5 415,409.6
Note: IBS-Islamic Banking Scheme1 Include financing sold to Cagamas.2 Comprises credit cards, staff financing, share margin financing and other financing.Sub-total may not necessarily add-up to grand total due to rounding.
Nota: SPI - Skim Perbankan Islam1 Termasuk pembiayaan yang dijual kepada Cagamas.2 Terdiri daripada kad kredit, pembiayaan kakitangan, pembiayaan saham margin dan pembiayaan lain.Pecahan jumlah tidak semestinya sama dengan jumlah besar disebabkan oleh penghampiran angka.
38
1.19 Sistem Perbankan: Pengelasan Pinjaman Mengikut Tujuan1,2
BankingSystem:ClassificationofLoansbyPurpose1,2
Sistem Perbankan: Pengelasan Pinjaman Mengikut Tujuan1, 2
Banking System: Classification of Loans Purpose 1, 2
RM juta / RM million
Purchase of securities
Purchase of transport vehicles
of which: Purchase of
passenger cars
Purchase of residential property
Purchase of non-residential property
Purchase of fixed assets other than land and building
Personal use Credit cardPurchase of consumer durables
Construction Working capital Other purpose Total loans
2014 1 70,937.0 163,728.8 153,317.8 349,175.3 156,002.1 9,756.1 57,865.6 34,928.7 249.8 34,262.5 290,756.0 69,841.3 1,237,503.3 2 72,063.5 163,821.7 153,422.7 352,398.6 157,232.4 9,863.4 57,773.9 34,255.3 273.5 34,481.6 287,601.5 70,794.8 1,240,560.1 3 72,103.4 163,899.1 153,560.6 356,199.8 159,082.1 9,920.6 58,050.1 33,909.7 300.7 35,019.4 289,703.6 68,471.0 1,246,659.4 4 72,459.7 164,304.6 154,055.1 360,007.0 160,996.8 9,927.1 57,942.1 33,865.3 329.8 34,374.3 288,774.0 69,138.3 1,252,118.8 5 72,916.5 164,700.2 154,744.6 363,850.1 162,796.4 10,375.8 57,997.5 34,018.1 358.9 34,627.5 290,556.2 68,903.8 1,261,100.9 6 73,893.6 164,801.7 154,953.0 367,574.1 164,396.7 10,379.0 58,271.6 34,473.3 401.2 35,761.6 294,790.7 67,694.9 1,272,438.6 7 72,302.1 165,556.7 155,719.5 371,223.0 166,819.6 10,383.3 58,518.5 33,921.8 440.9 35,808.7 293,370.2 64,640.3 1,272,985.1 8 74,139.7 165,614.5 155,934.8 375,244.9 168,418.3 10,261.0 58,759.4 34,342.9 473.2 36,508.0 294,642.6 63,540.4 1,281,944.8 9 74,666.7 165,572.1 155,845.8 378,822.1 171,028.7 10,553.8 59,478.9 34,547.5 516.0 37,910.7 300,117.2 64,903.0 1,298,116.7
10 76,034.2 165,603.5 156,051.3 382,821.4 173,047.6 10,540.8 59,800.0 34,535.2 555.5 37,902.8 305,961.7 62,754.9 1,309,557.6 11 76,630.4 165,649.4 156,151.3 385,761.9 175,226.2 10,578.5 60,312.3 35,269.7 602.7 38,654.8 307,191.0 64,318.0 1,320,194.8
1.19
Akhir tempoh Pembelian sekuriti
Pembelian kenderaan pengangkutan Pembinaan
yang mana: Kereta
penumpangModal kerja Tujuan lain Jumlah pinjaman
End of period
Pembelian harta kediaman
Pembelian harta bukan kediaman
Pembelian aset tetap selain tanah
dan bangunan
Kegunaanpersendirian Kad kredit
Pembelian barangan
penggunaan
11 76,630.4 165,649.4 156,151.3 385,761.9 175,226.2 10,578.5 60,312.3 35,269.7 602.7 38,654.8 307,191.0 64,318.0 1,320,194.812 76,654.6 165,986.4 156,408.7 390,418.6 178,050.3 10,507.5 60,169.1 35,604.3 635.8 39,625.0 316,157.4 65,909.2 1,339,718.0
2015 1 76,736.8 166,392.3 156,782.5 394,255.0 179,814.2 10,703.3 60,108.0 35,414.0 669.2 39,884.9 314,634.7 65,737.2 1,344,349.6 2 77,125.5 166,962.9 157,591.9 398,354.7 180,199.2 10,636.6 60,072.4 35,501.3 696.7 40,515.8 317,580.9 61,972.6 1,349,618.6 3 77,310.8 167,741.9 158,239.1 402,889.3 184,938.8 10,719.3 59,769.6 35,588.5 730.1 39,444.9 320,898.3 61,875.7 1,361,907.2 4 76,296.8 167,749.6 158,090.2 406,641.8 186,595.1 10,607.8 60,268.8 34,583.9 769.7 39,884.3 317,006.1 61,677.4 1,362,081.2 5 76,165.4 167,847.4 158,231.0 410,429.2 187,477.6 10,566.8 60,969.3 34,524.6 146.8 39,828.6 322,888.4 62,814.7 1,373,658.8 6 75,602.9 168,234.5 158,672.4 414,568.0 189,938.2 10,379.1 61,319.5 34,723.0 148.8 39,754.0 328,437.1 64,589.5 1,387,694.6 7 75,188.4 168,994.4 159,577.1 418,050.2 191,400.4 10,373.4 61,566.2 34,557.6 150.4 40,198.0 330,219.7 64,968.4 1,395,667.2 8 74,493.7 169,216.2 159,831.1 421,153.5 192,178.8 10,907.6 62,358.6 34,845.3 148.7 40,565.1 341,573.2 65,346.1 1,412,786.7 9 74,502.3 169,456.3 159,953.0 424,796.4 194,565.5 10,900.2 62,462.3 34,706.6 145.0 41,276.1 345,234.2 65,975.6 1,424,020.5
10 74,813.2 169,526.1 160,232.7 429,005.6 196,114.7 10,623.6 62,879.5 34,745.0 143.5 41,513.5 345,454.4 64,386.4 1,429,205.7 11 74,744.0 169,692.1 160,466.9 432,835.8 195,825.5 10,225.9 63,402.0 35,343.6 143.7 42,375.5 343,963.4 62,869.7 1,431,421.2 12 75,185.1 169,810.5 160,681.8 437,035.4 196,990.7 10,060.0 63,701.9 36,043.9 144.2 42,656.1 349,173.1 64,338.3 1,445,139.3
2016 1 74,468.9 169,817.5 160,905.4 440,906.5 197,900.0 10,013.5 63,783.7 36,324.8 145.2 42,999.9 347,542.5 63,390.0 1,447,292.4 2 73,939.5 169,363.7 160,461.6 443,625.1 198,519.3 9,885.1 63,710.4 35,358.8 143.2 43,774.4 348,610.2 62,928.2 1,449,858.0 3 71,534.2 168,760.2 159,912.1 447,130.1 200,075.2 9,631.9 64,036.9 34,957.2 141.8 44,140.0 347,469.2 61,603.4 1,449,480.1 4 70,615.7 168,485.0 159,715.0 450,542.5 200,912.5 9,667.8 64,262.8 35,008.6 141.0 43,871.0 342,909.6 61,428.0 1,447,844.5 5 71,123.4 168,175.3 159,359.1 453,879.3 201,796.5 9,638.4 64,584.2 35,017.4 139.9 43,860.8 346,962.3 63,338.7 1,458,516.1 6 70,645.9 168,207.6 159,263.4 457,401.1 203,273.9 9,859.5 64,837.9 35,324.0 140.2 44,313.9 347,169.2 64,035.9 1,465,209.0 7 70,253.2 168,254.2 159,271.0 460,169.3 203,793.3 9,841.7 64,820.0 35,284.7 138.0 44,362.1 346,425.8 63,947.1 1,467,289.4 8 70,218.8 168,291.8 159,393.3 463,613.9 204,219.3 9,801.7 65,144.1 35,397.3 137.7 44,610.8 346,854.9 63,809.9 1,472,100.1 9 70,329.7 168,182.4 159,350.7 466,803.9 205,528.1 9,711.4 65,341.0 35,562.1 138.5 44,972.9 352,563.8 64,690.3 1,483,824.2
Pecahan mengikut sektor ekonomi/industri dan tujuan adalah berbeza dengan klasifikasi terdahulu (Sila rujuk nota dalam Glosari untuk maklumat lanjut).1 Termasuk pinjaman yang dijual kepada Cagamas.2 Sebelum Dis 2006, pinjaman oleh bank-bank Islam di lapor dalam kategori bank perdagangan
.
The breakdown by economic sectors/industries and purpose is not strictly comparable to the previous classification (Please refer to the explanatory notes in the Glossary for further details).
1 Include loans sold to Cagamas.2 Prior to Dec 2006, loans by Islamic banks were reflected in commercial banks category.
39
Sistem Perbankan: Pengelasan Pinjaman Mengikut Sektor1,2
BankingSystem:ClassificationofLoansbySectors1,21.20Sistem Perbankan: Pengelasan Pinjaman Mengikut Sektor1,2
Banking System: Classification of Loans by Sector 1,2
RM juta / RM million
Pertanian primer
Perlombongan dan kuari
Perkilangan (termasuk asas
tani)
Elektrik, gas dan bekalan air
Perdagangan borong dan runcit, restoran dan hotel
Pembinaan Harta tanahPengangkutan,
penyimpanan dan perhubungan
Perkhidmatan kewangan,
insurans dan perniagaan
Pendidikan, kesihatan dan lain-
lainSektor isirumah Sektor lain3 Jumlah pinjaman
Primary agriculture
Mining and quarrying
Manufacturing (including agro-
based)
Electricity, gas and water supply
Wholesale, retail,restaurants
and hotels Construction Real estate
Transport, storage and
communication
Financing, insurance and
business services
Education, health & others Household sector Other sector 3 Total loans
2014 1 33,238.2 7,815.0 96,428.4 14,084.8 91,400.8 51,223.9 70,709.5 28,801.5 85,984.3 41,892.1 699,395.5 16,529.2 1,237,503.32 33,520.2 8,567.5 96,288.7 13,654.8 90,686.6 51,196.4 71,881.9 28,993.4 84,727.1 41,478.3 703,496.5 16,068.6 1,240,560.13 32,182.1 8,305.6 96,608.2 14,066.3 91,089.1 51,894.5 73,328.0 29,716.6 85,095.8 39,020.7 708,986.3 16,366.2 1,246,659.44 32,260.9 7,763.5 97,100.7 13,856.1 91,804.5 51,584.0 73,748.4 30,418.8 82,121.0 38,585.0 715,005.3 17,870.5 1,252,118.85 31,973.4 7,759.2 97,399.1 13,708.9 93,629.3 51,771.0 74,973.0 30,019.9 82,073.2 38,744.2 720,949.7 18,100.0 1,261,100.96 31,839.3 8,357.9 98,185.9 13,420.4 94,366.4 52,262.8 76,257.0 31,011.2 82,797.5 38,782.0 727,525.1 17,633.0 1,272,438.67 31,581.0 8,035.9 98,245.2 13,121.8 94,185.1 52,461.6 75,843.3 30,744.8 82,580.6 36,055.5 732,902.7 17,227.7 1,272,985.18 31,724.1 8,078.3 98,384.4 12,803.0 94,739.6 52,766.9 76,855.0 31,336.4 83,023.0 36,022.3 738,544.7 17,667.0 1,281,944.89 32,026.6 8,361.0 99,853.0 12,904.9 96,155.5 53,942.9 78,457.7 31,855.9 84,707.7 36,532.4 744,007.3 19,311.8 1,298,116.7
10 31 774 9 8 647 4 101 106 0 12 947 6 97 807 8 55 317 4 79 636 1 31 885 6 87 861 4 36 624 1 749 529 2 16 420 1 1 309 557 6
1.20
Akhir tempoh
End of period
10 31,774.9 8,647.4 101,106.0 12,947.6 97,807.8 55,317.4 79,636.1 31,885.6 87,861.4 36,624.1 749,529.2 16,420.1 1,309,557.611 31,097.0 8,531.7 100,793.4 12,680.9 98,545.1 55,443.8 82,705.2 32,520.8 88,691.4 36,671.2 755,669.5 16,844.8 1,320,194.812 31,489.9 9,440.8 100,902.2 12,946.9 98,643.9 57,826.4 85,422.1 32,844.5 93,905.1 37,006.2 761,951.4 17,338.5 1,339,718.0
2015 1 31,990.7 10,714.7 100,867.5 12,982.8 98,146.3 57,504.6 85,678.7 32,369.5 91,155.2 40,229.1 767,065.4 15,645.2 1,344,349.62 32,016.2 10,961.2 99,952.3 10,849.1 98,461.1 57,937.3 87,046.3 33,648.7 93,306.4 38,082.1 771,806.1 15,551.9 1,349,618.63 32,586.1 11,447.2 99,769.3 10,819.2 99,579.2 58,450.2 88,635.0 34,009.0 92,510.7 38,990.5 778,271.1 16,839.8 1,361,907.24 32,523.4 11,127.3 98,787.7 10,238.3 100,330.4 58,370.7 87,890.5 34,034.3 91,677.0 38,431.5 781,978.5 16,691.6 1,362,081.25 34,310.0 11,493.6 99,350.3 10,602.9 101,126.9 58,923.1 88,645.2 34,142.5 94,096.4 37,829.7 786,070.2 17,067.9 1,373,658.86 35,010.1 11,893.7 101,421.4 10,672.5 102,074.6 58,193.0 89,007.5 34,259.8 95,164.3 39,617.2 791,171.9 19,208.5 1,387,694.67 34,884.0 11,411.1 100,954.4 10,832.3 103,097.5 59,116.7 89,240.5 34,941.1 95,837.9 40,087.4 795,663.6 19,600.6 1,395,667.28 37,053.9 12,906.8 103,257.5 10,787.5 105,134.6 59,292.3 92,772.9 35,519.7 93,280.6 40,962.1 799,823.7 21,995.1 1,412,786.79 37,453.6 13,281.0 103,268.2 11,661.8 106,028.1 59,554.1 95,266.4 35,979.3 94,305.9 40,860.9 804,021.8 22,339.3 1,424,020.5
10 37,787.7 13,106.4 101,962.3 11,689.3 105,725.1 60,033.0 96,119.6 36,303.2 94,205.0 41,243.4 809,526.6 21,504.4 1,429,205.711 37,547.6 13,118.9 101,266.3 10,424.3 105,993.6 61,028.2 96,333.2 35,386.8 98,424.0 38,972.5 814,958.5 17,967.4 1,431,421.212 37,586.4 13,951.4 102,307.8 11,499.8 106,719.7 62,782.2 97,856.9 34,318.5 99,857.6 39,325.2 820,947.0 17,986.7 1,445,139.3
2016 1 37,075.0 13,205.4 101,555.6 11,461.3 106,158.4 62,904.6 99,078.0 34,088.4 99,797.6 39,421.2 825,213.5 17,333.3 1,447,292.42 37,456.1 12,958.4 101,924.6 10,457.4 106,162.5 63,560.0 99,714.6 33,963.9 100,565.4 39,867.8 826,093.2 17,134.1 1,449,858.03 35,778.4 13,138.6 100,454.2 8,954.4 106,577.7 64,058.3 100,860.5 33,577.3 100,665.9 40,989.2 828,070.9 16,354.9 1,449,480.14 35,604.1 12,476.0 99,343.3 9,028.8 106,638.4 63,801.3 101,163.2 33,185.9 97,937.8 41,089.8 831,583.2 15,992.7 1,447,844.55 36,476.0 12,755.5 100,020.8 9,720.8 107,111.6 63,550.2 102,307.5 33,605.7 100,880.1 41,180.8 834,787.7 16,119.5 1,458,516.16 36,882.5 12,236.9 99,247.1 9,172.8 107,382.1 63,984.4 103,527.2 33,351.3 103,351.5 41,550.9 838,814.5 15,708.0 1,465,209.07 36,663.5 12,250.5 98,385.8 9,247.6 107,476.5 64,655.7 103,800.0 33,591.6 102,206.1 42,284.8 841,358.5 15,368.9 1,467,289.48 36,681.1 12,302.9 98,386.2 9,774.7 108,453.8 62,533.0 104,291.3 33,463.6 103,108.3 42,183.1 845,513.0 15,409.3 1,472,100.19 36,817.0 12,717.4 99,913.3 9,911.6 109,317.1 63,525.6 106,437.2 33,588.8 104,107.9 42,571.2 849,259.7 15,657.4 1,483,824.2
Pecahan mengikut sektor ekonomi/industri dan tujuan adalah berbeza dengan klasifikasi terdahulu(Sila rujuk nota dalam Glosari untuk maklumat lanjut).1 Termasuk pinjaman yang dijual kepada Cagamas.2 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard Perindustrian Malaysia 2000 (MSIC 2000).
The breakdown by economic sectors/industries and purpose is not strictly comparable to the previous classification(Please refer to the explanatory notes in the Glossary for further details).1 Include loans sold to Cagamas.2 The definitions of the economic sectors/industries are based on the Malaysian Standard Industrial Classification (MSIC) 2000.
Pecahan mengikut sektor ekonomi/industri dan tujuan adalah berbeza dengan klasifikasi terdahulu(Sila rujuk nota dalam Glosari untuk maklumat lanjut).1 Termasuk pinjaman yang dijual kepada Cagamas.2 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard Perindustrian Malaysia 2000 (MSIC 2000).3 Termasuk pinjaman kepada perniagaan individu.
The breakdown by economic sectors/industries and purpose is not strictly comparable to the previous classification(Please refer to the explanatory notes in the Glossary for further details).1 Include loans sold to Cagamas.2 The definitions of the economic sectors/industries are based on the Malaysian Standard Industrial Classification (MSIC) 2000.3 Includes loans to individual businesses.
40
1.21 Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas dan Peruntukan Jejas NilaiBanking System: Non-Performing Loans/Impaired Loans and Impairment Provisions
Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas dan Peruntukan Jejas NilaiBanking System: Non-Performing Loans/Impaired Loans and Impairment Provisions
RM juta / RM million
Pinjaman tak berbayar/ Pinjaman terjejas
Faedah tergantung
Peruntukan khas/
Peruntukan jejas nilai individu
Peruntukan am/Peruntukan jejas nilai kolektif
Nisbah pinjaman tak berbayar
bersih/Pinjaman jejas nilai kepada Jumlah pinjaman
bersih(%)
Nisbah jumlah peruntukan/
Peruntukan jejas nilai kepada Pinjaman tak
berbayar bersih/ Pinjaman terjejas
(%)
Nisbah peruntukan am/ Peruntukan jejas
nilai kolektif kepada Jumlah pinjaman bersih
(%)
Pinjaman tak berbayar/ Pinjaman terjejas
Faedah tergantung
Peruntukan khas/
Peruntukan jejas nilai individu
Peruntukan am/
Peruntukan jejas nilai kolektif
Nisbah pinjaman tak berbayar
bersih/ Pinjaman terjejas kepada
Jumlah pinjaman bersih(%)
Nisbah jumlah peruntukan/
Peruntukan jejas nilai kepada Pinjaman tak
berbayar bersih/ Pinjaman terjejas
(%)
Peruntukan am/ Peruntukan jejas
nilai kolektif kepadaJumlah pinjaman
bersih (%)
Non- performing
loan/ Impaired Interest-
in suspense
Specific provision/Individual
General provision/Collective
Ratio of net Non-performing loans/ impaired loans to
Ratio of Total provisions/ impairment
provisions to Net
Ratio of General provisions/ collective
impairment
Non- performing
loan/ Interest- in suspense
Specific provision/Individual
General provision/Collective
Ratio of net Non-performing loans/ impaired loans to
Ratio of Total provisions/ impairment
provisions to Net
Ratio of General provisions/ collective
impairment
6 bulan / 6 months
End of period
1.21
Akhir tempoh
3 bulan / 3 months
loan/ Impairedloans
in-suspense d duaimpairment provisions
Co ect eImpairment provisions
impaired loans toNet total loans(%)
p o s o s to etNon-performing loans/ impaired
loans(%)
impairmentprovisions to Net
total loans(%)
oa /Impaired
loans
in-suspense d duaimpairment provisions
Co ect eImpairment provisions
impaired loans toNet total loans(%)
p o s o s to etNon-performing loans/ impaired
loans(%)
impairmentprovisions to Net
total loans(%)
1995 14320 3939 4043 4209 5.5 85.1 1.71996 12480 3144 3054 5854 3.7 96.6 1.81997 25053 2886 5402 8447 4.1 151.4 2.0
2009 1 34856 5155 13890 11987 2.2 331.1 1.7 29828 4950 13029 11989 1.7 394.1 1.72 34882 5165 13853 12084 2.2 328.3 1.7 29617 4954 12999 12034 1.6 398.7 1.73 33592 4719 12840 12090 2.2 323.8 1.7 28310 4514 11977 12029 1.6 390.8 1.74 33706 4731 12899 12229 2.2 323.3 1.7 28457 4519 11961 12101 1.7 385.4 1.75 33991 4829 13228 12074 2.2 325.6 1.7 28570 4638 12192 12041 1.6 391.2 1.76 33312 4659 12862 12195 2.2 325.1 1.7 28147 4481 11874 12114 1.6 387.5 1.77 33180 4670 13453 12422 2.1 342.1 1.7 28026 4499 12370 12304 1.5 411.1 1.78 33579 4755 13283 12704 2.1 332.7 1.7 28413 4572 12261 12416 1.6 395.6 1.79 33890 4760 13181 12455 2.1 323.6 1.7 28353 4588 12072 12348 1.6 391.0 1.710 33488 4702 13180 12698 2.1 327.7 1.7 28000 4526 12284 12484 1.5 407.0 1.711 29736 3895 11303 12543 1.9 335.0 1.7 24345 3718 10296 12284 1.4 417.6 1.612 28693 3759 11146 12495 1.8 347.5 1.6 23790 3597 10237 12275 1.3 429.1 1.6
p
1 Mulai bulan Januari 2010, pinjaman dilaporkan berdasarkan Financial Reporting Standards (FRS) 139. Penggunaan FRS139 adalah berdasarkan tahun kewangan bank.
1 Beginning January 2010, loans are reported based on Financial Reporting Standards (FRS) 139. The adoption of FRS139 requirement is based on the financial year of the banks.
41
1.21a Sistem Perbankan: Pinjaman Terjejas dan Peruntukan Jejas NilaiBanking System: Impaired Loans and Impairment Provisions
Sistem Perbankan: Pinjaman Terjejas dan Peruntukan Jejas NilaiBanking System: Impaired Loans and Impairment Provisions
RM juta / RM million
2015 1 22,309.4 6,079.1 16,215.7 1.2 99.92 22,557.9 5,678.7 16,397.3 1.3 97.93 22,220.3 5,639.0 16,318.3 1.2 98.84 21,320.2 5,366.3 16,319.7 1.2 101.7
5 21 922 5 5 422 5 16 605 3 1 2 100 5
Nisbah peruntukan jejas nilai individu dan kolektif kepada jumlah pinjaman terjejas (%)
Ratio of individual and collective impairment provisions to total impaired loans(%)
1.21aAkhir tempoh
End of period
Pinjaman terjejas
Impaired loans
Peruntukan jejas nilai individu
Individual impairment provisions
Peruntukan jejas nilai kolektif
Collective Impairment provisions
Nisbah pinjaman jejas nilai kepada jumlah pinjaman bersih(%)
Ratio of net impaired loans to net total loans(%)
5 21,922.5 5,422.5 16,605.3 1.2 100.5
6 22,524.9 5,392.8 16,522.1 1.2 97.37 22,623.5 5,480.6 16,475.0 1.2 97.08 22,669.5 5,331.4 16,712.6 1.2 97.29 23,105.6 5,627.2 16,946.9 1.2 97.710 22,866.4 5,608.2 16,756.8 1.2 97.811 23,017.0 5,685.1 16,696.1 1.2 97.212 23,102.5 5,865.0 16,381.7 1.2 96.3
2016 1 23,279.2 5,894.7 16,370.4 1.2 95.62 23,771.7 5,732.7 16,343.2 1.2 92.93 23,195.7 5,657.3 16,201.7 1.2 94.24 23,236.4 5,788.8 16,051.3 1.2 94.05 24,003.4 5,831.2 16,060.0 1.3 91.26 24,252.4 5,808.5 15,928.7 1.3 89.67 24,711.0 5,867.1 16,042.9 1.3 88.78 24,404.5 5,765.0 16,092.0 1.3 89.69 24,434.9 5,882.7 15,951.9 1.3 89.4
Mulai tahun kewangan 2010, institusi-institusi perbankan dikehendaki melaporkan pinjaman terjejas berdasarkan Garis Panduan mengenai Pengkelasan dan Peruntukan Jejas Nilai untuk Pinjaman/Pembiayaan. Oleh demikian, pelaporan nisbah pinjaman tidak berbayar telah dihentikan.* Awalan
Beginning financial year 2010, banking institutions are required to report impaired loans in accordance with the Guideline on the Classification and Impairment Provisions for Loans/Financing . The reporting of non-performing loans has since been discontinued.* Preliminary
42
1.22 Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas Mengikut TujuanBanking System: Non-Performing/Impaired Loans by Purpose
Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas Mengikut TujuanBanking System: Non-Performing/Impaired Loans by Purpose
RM juta / RM million
2015 2 1 254.4 2,011.2 1,819.8 4,949.4 1,586.8 182.8 1,036.9 434.6 8.4 2,252.8 8,448.2 1,143.8 22,309.42 380.9 2,076.4 1,882.1 5,190.4 1,581.5 182.8 1,054.1 455.6 10.2 2,259.3 8,217.6 1,149.1 22,557.93 462.0 1,902.0 1,719.2 5,059.4 1,554.2 180.6 1,028.3 442.0 11.0 2,266.5 8,165.8 1,148.6 22,220.34 229.0 1,896.8 1,714.9 4,953.9 1,525.9 191.7 979.9 437.3 11.7 2,268.5 7,520.9 1,304.7 21,320.25 216.6 1,903.3 1,769.7 4,990.7 1,548.9 170.0 1,096.2 448.4 2.4 2,371.0 7,745.1 1,429.9 21,922.56 376.0 1,787.1 1,661.6 5,056.2 1,625.2 162.3 1,050.2 447.5 2.1 2,434.0 8,182.6 1,401.7 22,524.97 326.7 1,805.3 1,682.6 5,060.1 1,716.2 163.5 1,094.2 452.5 1.7 3,105.4 7,501.9 1,396.0 22,623.58 323.3 1,870.2 1,744.0 5,079.0 1,733.9 168.2 1,117.8 465.9 1.9 2,492.5 8,008.3 1,408.7 22,669.59 341 0 1 751 1 1 633 4 5 159 6 1 877 0 166 8 1 126 6 469 1 2 0 2 482 4 8 327 3 1 402 7 23 105 6
Total non-performing/impaired loansPersonal uses Credit cards 1
Purchase of consumer
durable goodsConstruction Working capital Other purpose
Modal kerja Tujuan lainJumlah pinjaman tak berbayar/ pinjaman
terjejas
Purpose Purchase of securities
Purchase of transport vehicle
of which: Purchase of
passenger cars
Purchase of residential property
Purchase of non-residential property
Purchase of fixed assets other than land and building
Pembelian harta bukan kediaman
Pembelian aset tetap selain tanah
dan bangunan
Kegunaan persendirian Kad kredit1
Pembelian barangan pengguna
Pembinaan
1.22
Tujuan Pembelian sekuriti
Pembelian kenderaan
pengangkutan
yang mana: Pembelian kereta
penumpang
Pembelian harta kediaman
9 341.0 1,751.1 1,633.4 5,159.6 1,877.0 166.8 1,126.6 469.1 2.0 2,482.4 8,327.3 1,402.7 23,105.610 327.4 1,748.4 1,643.9 5,046.2 1,892.3 187.8 1,169.9 474.3 1.8 2,490.9 8,120.1 1,407.4 22,866.411 329.6 1,789.2 1,667.7 5,094.8 1,831.6 174.3 1,187.3 476.4 1.8 2,521.5 8,198.3 1,412.2 23,017.012 372.9 1,616.6 1,512.8 5,030.2 1,786.5 174.7 1,191.7 479.8 1.4 2,494.4 8,432.0 1,522.3 23,102.5
2016 1 333.7 1,786.8 1,543.4 5,087.5 1,913.6 182.2 1,206.5 489.2 1.5 2,967.2 7,803.7 1,507.3 23,279.22 345.4 1,817.8 1,586.2 5,264.2 1,956.9 192.5 1,280.2 520.7 1.3 2,978.9 8,112.5 1,301.4 23,771.73 328.9 1,658.0 1,411.4 5,045.3 1,955.6 165.9 1,210.7 492.1 1.9 3,008.8 8,036.6 1,291.9 23,195.74 418.5 1,699.6 1,448.0 5,068.8 1,963.7 118.2 1,288.9 490.2 1.3 3,005.1 7,893.1 1,288.9 23,236.45 416.8 1,775.0 1,525.1 5,143.6 2,045.2 125.9 1,270.6 487.2 1.7 3,306.6 8,174.0 1,256.7 24,003.46 409.9 1,647.4 1,404.3 5,107.3 2,023.0 105.6 1,228.9 483.9 2.2 3,367.9 8,675.3 1,201.1 24,252.47 427.5 1,737.5 1,482.9 5,221.2 2,057.5 103.2 1,366.7 487.2 1.6 3,277.7 8,939.9 1,091.0 24,711.08 300.7 1,738.0 1,486.4 5,219.6 2,026.9 98.9 1,375.2 488.0 1.6 3,258.5 8,792.0 1,105.3 24,404.59 327.8 1,670.5 1,430.9 5,311.0 2,027.1 90.3 1,371.3 496.3 1.6 3,241.2 8,818.8 1,079.2 24,434.9
Nota: Pecahan jumlah tidak semestinya sama dengan jumlah besar disebabkan oleh penghampiran angka. Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepada semua pelanggan. Oleh itu, pinjaman tidak berbayar kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. 1 Termasuk transaksi kad kredit dan kad caj institusi-institusi perbankan 2 Mulai bulan Januari 2010, pinjaman dilaporkan berdasarkan Financial Reporting
Standards (FRS) 139. Penggunaan FRS139 adalah berdasarkan tahun kewangan bank. t.d.d.l. tidak diklasifikasikan di tempat lain
Note: Numbers may not necessarily add up due to rounding.Beginning April 2006, following reclassifications under the Financial Institutions Statistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers. Therefore, a loan to non-household customer will be reflected in both economic sector/industry and purpose.1 Includes credit and charge card transaction of the banking institutions2 Beginning January 2010, loans are reported based on Financial Reporting Standards (FRS) 139. The adoption of FRS139 requirement is based on the financial year of the banks. n.e.c. not elsewhere classified.
43
1.23 Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas Mengikut Sektor Banking System: Non-Performing/Impaired Loans by Sector
Sistem Perbankan: Pinjaman Tak Berbayar/Pinjaman Terjejas Mengikut Sektor1
Banking System: Non-Performing/Impaired Loans by Sector 1
RM juta / RM million
2015 3 1 215.2 28.3 5,231.2 39.8 1,764.2 1,813.2 1,850.0 2,203.5 207.6 8,651.4 305.0 22,309.42 213.2 28.5 4,908.1 37.5 1,819.8 1,711.9 1,933.2 2,189.2 234.8 9,192.9 288.8 22,557.93 230.7 30.2 4,893.4 25.6 1,773.5 1,611.2 1,920.0 2,317.6 211.0 8,913.2 293.9 22,220.34 220.8 215.8 4,268.5 22.2 1,796.3 1,560.8 1,816.8 2,370.0 209.0 8,554.0 285.9 21,320.25 237.4 225.2 4,242.7 77.3 1,846.2 1,589.7 1,894.4 2,428.1 314.3 8,737.5 329.6 21,922.56 386.4 232.3 4,282.2 75.7 1,973.3 1,606.0 1,908.9 2,656.4 316.9 8,626.7 460.1 22,524.97 389.8 230.5 4,247.6 76.6 1,995.7 1,797.8 1,906.8 2,499.2 333.2 8,737.5 408.7 22,623.58 384.3 232.1 3,948.0 164.5 2,037.9 1,807.5 1,937.3 2,543.9 327.7 8,843.8 442.3 22,669.59 399.1 237.3 4,206.2 163.9 1,997.9 1,674.5 2,119.5 2,681.2 357.2 8,826.4 442.4 23,105.6
Education, health & others Household sector 2 Other sector n.e.c
Total non-performing/
impaired loans
Sektor t.d.d.l.Jumlah pinjaman
tak berbayar/ pinjaman terjejas
Pendidikan, kesihatan dan lain-
lainSektor isirumah 2
End of period Primary agriculture
Mining and quarrying
Manufacturing (including agro-based)
Electricity, gas and water supply
Wholesale & retail trade, and
restaurants & hotels
ConstructionTransport,
storage and communication
Perdaganganborong & runcit,
restoran dan hotelPembinaan
Pengangkutan, penyimpanan dan
komunikasi
Aktiviti kewangan, insurans dan perniagaan
Finance, insurance and
business activities
1.23
Akhir tempoh Pertanian primer
Perlombongan dan kuari
Perkilangan (termasuk asas tani)
Elektrik, gas dan bekalan air
, , , , , , ,10 386.1 229.5 4,216.0 164.6 1,855.6 1,600.8 2,130.5 2,804.3 334.6 8,747.4 397.0 22,866.411 382.6 221.2 4,310.6 164.4 1,956.4 1,655.0 2,068.4 2,686.1 342.5 8,832.1 397.7 23,017.012 382.4 220.7 4,185.7 161.0 1,944.5 1,728.7 2,063.2 2,960.0 305.1 8,676.8 474.5 23,102.5
2016 1 367.6 228.4 4,322.7 26.5 1,974.4 1,759.2 1,935.2 3,093.0 339.0 8,758.6 474.5 23,279.22 419.7 207.9 4,281.7 25.6 1,987.6 1,783.5 2,049.0 3,172.0 312.7 9,214.5 317.3 23,771.73 415.6 190.0 4,319.2 25.8 1,975.4 1,806.3 1,971.2 3,152.9 322.3 8,591.7 425.4 23,195.74 413.6 189.9 4,252.5 25.5 1,961.6 1,726.3 1,953.1 3,250.5 292.6 8,741.2 429.6 23,236.45 400.3 352.2 4,398.5 19.7 2,016.7 2,104.3 1,932.2 3,166.7 296.3 8,895.5 421.1 24,003.46 425.0 347.3 4,495.2 112.9 1,981.7 2,305.7 2,028.5 3,156.4 314.8 8,647.8 437.0 24,252.47 415.2 374.0 4,685.7 123.0 1,967.8 2,099.7 2,057.2 3,257.4 300.2 9,000.7 430.1 24,711.08 401.8 373.4 4,579.6 116.6 1,954.7 2,163.9 2,014.7 3,170.3 213.3 9,004.5 411.6 24,404.59 286.0 388.5 4,675.6 120.5 1,947.9 2,153.6 1,979.2 3,204.0 215.2 9,065.9 398.4 24,434.9
Nota: Pecahan jumlah tidak semestinya sama dengan jumlah besar disebabkan oleh penghampiran angka. Berkuatkuasa April 2006, berikutan daripada pengelasan semula Sistem Statistik Institusi Perbankan (FISS), pinjaman/pembiayaan mengikut sektor ekonomi/industri meliputi pelanggan bukan isirumah, manakala pinjaman mengikut tujuan pula meliputi pinjaman kepada semua pelanggan. Oleh itu, pinjaman tidak berbayar kepada bukan isirumah akan ditunjukkan dalam sektor ekonomi/industri dan tujuan. 1 Definisi bagi sektor ekonomi/industri adalah berdasarkan Klasifikasi Standard Perindustrian Malaysia 2000 (MSIC 2000).2 Sektor isirumah = Jumlah pinjaman tak berbayar/pinjaman terjejas mengikut tujuan kepada isirumah. 3 Mulai bulan Januari 2010, pinjaman dilaporkan berdasarkan Financial Reporting Standards (FRS) 139. Penggunaan FRS139 adalah berdasarkan tahun kewangan bank. t.d.d.l. tidak diklasifikasikan di tempat lain
Note: Numbers may not necessarily add up due to rounding.Beginning April 2006, following reclassifications under the Financial Institutions Statistical System (FISS), loans/financing by economic sector/industry encompasses non-household customers while loans by purpose encompasses loans to all customers. Therefore, a loan to non-household customer will be reflected in both economic sector/industry and purpose.1 The definitions of the economic sectors/industries are based on the Malaysian Standard Industrial Classification (MSIC) 2000.2 Household sector = total non-performing l/impaired loans by purpose to households3 Beginning January 2010, loans are reported based on Financial Reporting Standards (FRS) 139. The adoption of FRS139 requirement is based on the financial year of the banks. n.e.c. not elsewhere classified
44
1.24 Sistem Perbankan: Jumlah Deposit mengikut JenisBanking System: Total Deposits by Type
Deposit Permintaan
Demand Deposits
Deposit Tetap, Deposit Pelaburan Khusus dan Deposit Pelaburan Am
Fixed Deposits, Special Investment Deposits and General Investment
Deposits
Deposit Tabungan
Saving Deposits
Instrumen Deposit Boleh Niaga yang Diterbitkan
Negotiable Instruments of Deposits Issued
Deposit Matawang Asing
Foreign Currency Deposit
Deposit Tetap Tawarruq
Tawarruq Fixed Deposits
Deposit Lain yang Diterima
Others Deposit Accepted
Jumlah
Total
Perjanjian Belian Balik
Repurchase Agreements
6 245,191.0 659,153.4 130,169.2 57,974.3 75,482.9 52,223.5 237,622.6 1,457,816.9 11,060.2 1,468,877.17 251,164.0 657,836.2 132,470.5 55,813.5 72,850.5 55,297.3 238,209.2 1,463,641.3 13,117.9 1,476,759.28 247,374.4 662,703.4 132,702.1 56,436.6 75,192.7 56,790.7 240,272.1 1,471,472.0 12,141.1 1,483,613.19 255,162.5 664,143.2 132,929.7 61,452.7 70,973.7 61,823.2 231,953.1 1,478,438.0 14,288.2 1,492,726.110 254,996.5 670,862.3 129,852.8 58,062.5 72,531.7 65,560.7 232,243.6 1,484,110.1 16,321.8 1,500,431.911 256,958.1 663,590.6 129,893.0 58,735.7 72,702.8 68,981.5 235,866.2 1,486,728.0 10,026.5 1,496,754.412 272,922.9 667,018.5 131,765.2 61,214.3 75,242.3 70,839.3 233,709.6 1,512,712.1 12,536.6 1,525,248.71 269,065.0 664,333.2 135,785.3 59,668.0 75,816.0 70,846.3 236,702.8 1,512,216.5 11,761.4 1,523,978.02 269,605.6 661,676.6 137,590.3 59,202.0 80,105.0 71,639.3 233,366.8 1,513,185.4 11,140.2 1,524,325.63 269,326.1 673,320.8 136,956.0 59,326.0 81,839.8 71,898.8 239,261.4 1,531,928.9 12,413.8 1,544,342.74 268,456.3 673,799.6 137,093.0 54,500.6 80,434.3 77,200.6 243,246.6 1,534,731.0 14,816.0 1,549,547.05 265,184.5 668,140.6 135,260.4 60,389.4 88,428.7 81,093.6 244,411.0 1,542,908.1 10,797.2 1,553,705.46 272,251.9 663,293.1 136,128.2 59,272.8 89,382.9 82,913.0 251,171.8 1,554,413.7 9,754.6 1,564,168.37 271,988.1 658,758.2 136,394.8 60,662.2 93,428.7 88,585.1 251,541.5 1,561,358.6 10,932.1 1,572,290.78 265,502.1 660,410.5 134,136.6 63,197.6 88,110.5 93,797.4 253,062.0 1,558,216.9 8,042.6 1,566,259.59 273,042.6 649,530.6 134,290.7 69,966.6 87,764.4 102,019.0 255,339.9 1,571,953.7 8,956.1 1,580,909.810 269,809.7 654,980.5 132,410.2 71,762.9 85,886.4 110,596.1 264,160.1 1,589,606.0 8,276.4 1,597,882.411 271,268.7 643,918.8 131,721.4 75,925.4 85,614.8 132,126.7 263,021.9 1,603,597.7 9,712.0 1,613,309.712 285,832.0 636,081.4 134,931.4 78,089.2 92,814.6 141,678.1 260,050.4 1,629,477.0 12,128.1 1,641,605.11 283,863.0 635,526.1 137,074.4 79,706.5 95,039.6 149,396.6 254,331.2 1,634,937.4 9,254.9 1,644,192.32 286,871.0 636,559.5 139,031.3 79,538.4 98,382.8 155,474.4 244,575.8 1,640,433.1 9,760.2 1,650,193.33 296,746.7 626,661.4 138,643.7 79,040.8 108,107.8 174,929.1 245,336.5 1,669,466.1 14,145.1 1,683,611.24 287,768.4 626,493.9 139,692.9 75,845.1 108,460.8 183,128.5 242,818.1 1,664,207.7 13,740.4 1,677,948.15 288,572.5 629,024.4 133,984.0 72,174.2 111,942.2 188,724.9 237,927.3 1,662,349.6 15,590.2 1,677,939.86 297,940.1 607,094.8 136,936.8 69,167.4 108,707.7 207,529.4 240,802.6 1,668,178.8 15,844.0 1,684,022.87 283,239.9 571,601.9 134,986.3 64,490.5 108,750.4 219,429.3 238,550.6 1,621,048.8 17,152.0 1,638,200.88 288,205.9 565,744.5 134,708.0 64,371.3 115,034.1 224,513.0 231,185.3 1,623,762.2 17,295.6 1,641,057.89 293,614.4 563,098.5 136,575.6 59,589.2 122,041.0 228,781.8 235,030.3 1,638,730.8 23,203.7 1,661,934.410 285,576.2 557,609.2 135,331.5 60,760.3 125,490.8 230,512.5 231,858.9 1,627,139.4 23,299.3 1,650,438.711 285,578.5 549,101.1 134,484.4 60,470.3 133,083.4 232,213.8 238,023.0 1,632,954.5 26,261.3 1,659,215.812 291,808.8 551,407.9 135,590.7 68,245.8 134,092.9 237,134.4 228,729.8 1,647,010.2 23,384.6 1,670,394.81 293,056.0 553,414.0 136,539.9 63,544.1 126,581.6 226,241.8 236,853.5 1,636,230.9 22,254.1 1,658,485.02 297,694.3 557,400.9 139,022.1 61,154.0 130,725.3 230,874.1 235,839.5 1,652,710.2 17,763.5 1,670,473.73 284,711.8 561,147.5 138,981.6 57,880.2 126,975.3 234,830.5 247,974.5 1,652,501.3 15,837.6 1,668,338.94 278,460.7 569,441.4 139,180.6 52,767.7 124,706.4 235,690.2 243,277.1 1,643,524.1 16,060.2 1,659,584.35 285,634.1 574,941.9 138,521.4 52,387.8 129,604.7 233,993.9 240,232.4 1,655,316.3 16,109.6 1,671,425.96 290,961.8 572,309.4 142,167.0 51,886.6 126,162.4 230,432.9 241,416.8 1,655,336.9 19,765.3 1,675,102.27 283,038.6 573,261.8 140,105.8 51,586.1 120,418.9 234,847.3 234,727.2 1,637,985.6 16,355.5 1,654,341.08 284,574.1 572,968.0 140,991.1 50,027.5 119,209.6 237,010.2 235,560.3 1,640,340.6 14,277.2 1,654,617.99 285,366.7 571,921.4 143,722.6 52,074.7 116,520.7 247,411.9 243,498.9 1,660,517.0 14,548.5 1,675,065.5
Nota:Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesan dan bank pelaburan berlesan di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Walau bagaimanapun, deposit pelaburan yang disifatkan sebagai deposit Islam di bawah seksyen 288 IFSA terus dilaporkan sebagai "Deposit Tetap, Deposit Pelaburan Khusus dan Deposit Pelaburan Am" selepas 1 Julai 2015 sehingga tempoh matang, tertakluk kepada syarat-syarat yang dinyatakan di dalam polisi Pelan Peralihan di bawah IFSA. n.a Tidak diperoleh
Note:Beginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Notwithstanding, the investment deposits which are deemed as Islamic deposits under section 288 of the IFSA shall continue to be reported as "Fixed Deposits, Special Investment Deposits and General Investment Deposits" after 1 July 2015 until their maturities, subject to the requirements specified in the policy document on Transition Policy under IFSA. n.a Not available
2014
2015
2016
1.24 Sistem Perbankan: Jumlah Deposit mengikut Jenis dan Perjanjian Belian BalikBanking System: Total Deposits by Type and Repurchase Agreements
RM juta / RM million
Pada Akhir Tempoh
End of Period
Jumlah Deposit
Total Deposit
Jumlah Deposit dan Perjanjian Belian Balik
Total Deposits and Repurchase Agreements
45
1.24.1 Sistem Perbankan Islam: Deposit mengikut Jenis* Islamic Banking System: Deposits by Type*
Deposit Pelaburan Khusus dalam RM
RM Special InvestmentDeposits
Deposit Pelaburan Khusus dalam FX
FX Special InvestmentDeposits
Deposit Pelaburan Am dalam RM
RM General InvestmentDeposits
Deposit Pelaburan Am dalam FX
FX General InvestmentDeposits
DepositPermintaan dalam
RM
RM Demand Deposits
DepositPermintaan dalam
FX
FX Demand Deposits
Deposit Tabungan dalam RM
RM Saving Deposits
Deposit Tabungan dalam FX
FX Saving Deposits
Instrumen Deposit Boleh Niaga yang
Diterbitkan
NegotiableInstruments of
Deposits Issued
Deposit Tetap Tawarruq dalam
RM
RM Tawarruq Fixed Deposits
Deposit Tetap Tawarruq dalam
FX
FX Tawarruq Fixed Deposits
Deposit Lain dalam RM yang
Diterima
RM Others Deposit Accepted
Deposit Lain dalam FX yang
Diterima
FX Others Deposit Accepted
142.2 0.0 1,746.2 0.0 63,753.1 2,251.5 33,989.3 395.4 23,330.5 236,045.4 2,129.9 34,093.5 1,443.7 399,320.750.0 0.0 0.0 0.0 689.3 327.4 60.3 0.0 85.6 1,089.0 0.0 1,038.3 0.0 3,339.9
192.2 0.0 1,746.2 0.0 64,442.4 2,578.9 34,049.6 395.4 23,416.1 237,134.4 2,129.9 35,131.9 1,443.7 402,660.7
2016 144.3 0.0 1,680.6 0.0 66,397.8 1,943.5 34,549.8 395.6 22,576.5 225,158.5 2,545.5 35,808.4 987.0 392,187.350.0 0.0 0.0 0.0 563.8 417.7 62.3 0.0 85.6 1,083.3 0.0 818.2 0.0 3,081.0
194.3 0.0 1,680.6 0.0 66,961.6 2,361.2 34,612.1 395.6 22,662.1 226,241.8 2,545.5 36,626.6 987.0 395,268.3
2 143.3 0.0 1,634.7 0.0 65,116.6 2,268.5 35,422.7 421.6 20,252.8 229,588.7 2,609.1 34,297.6 1,152.6 392,908.250.0 0.0 0.0 0.0 497.0 434.6 57.2 0.0 85.6 1,285.4 0.0 736.4 0.0 3,146.1
193.3 0.0 1,634.7 0.0 65,613.6 2,703.1 35,479.9 421.6 20,338.4 230,874.1 2,609.1 35,033.9 1,152.6 396,054.3
3 140.7 0.0 1,440.0 0.0 63,293.1 2,081.3 35,568.9 410.6 19,029.1 233,574.6 2,746.9 37,719.5 793.1 396,797.750.0 0.0 0.0 0.0 621.6 482.3 59.7 0.0 85.6 1,256.0 0.0 647.1 0.0 3,202.2
190.7 0.0 1,440.0 0.0 63,914.7 2,563.6 35,628.5 410.6 19,114.6 234,830.5 2,746.9 38,366.6 793.1 399,999.9
4 140.1 0.0 1,416.3 0.0 62,306.4 2,518.9 35,583.3 408.2 16,675.2 234,420.1 2,693.7 38,993.4 745.5 395,901.050.0 0.0 0.0 0.0 540.2 477.4 57.1 0.0 85.6 1,270.1 0.0 596.2 0.0 3,076.6
190.1 0.0 1,416.3 0.0 62,846.6 2,996.4 35,640.3 408.2 16,760.8 235,690.2 2,693.7 39,589.7 745.5 398,977.6
5 140.1 0.0 1,350.8 0.0 62,657.7 1,962.4 35,085.0 421.7 17,692.1 232,803.0 3,522.3 43,626.2 2,010.6 401,271.850.0 0.0 0.0 0.0 551.1 624.5 55.5 0.0 85.6 1,190.9 0.0 1,166.5 0.0 3,724.1
190.1 0.0 1,350.8 0.0 63,208.8 2,586.9 35,140.5 421.7 17,777.7 233,993.9 3,522.3 44,792.7 2,010.6 404,995.9
6 139.9 0.0 1,312.2 0.0 65,824.0 1,915.3 36,331.4 403.9 15,480.7 229,161.2 4,198.7 43,610.7 1,066.4 399,444.550.0 0.0 0.0 0.0 462.0 501.6 57.1 0.0 85.6 1,271.7 0.0 488.8 0.0 2,916.9
189.9 0.0 1,312.2 0.0 66,286.0 2,416.8 36,388.6 403.9 15,566.3 230,432.9 4,198.7 44,099.6 1,066.4 402,361.4
7 142.9 0.0 1,295.4 0.0 64,018.8 1,704.4 35,275.9 415.8 17,556.2 233,394.5 3,853.2 40,603.1 1,169.8 399,430.150.0 0.0 0.0 0.0 549.8 303.0 53.4 0.0 85.6 1,452.8 0.0 535.3 0.0 3,029.9
192.9 0.0 1,295.4 0.0 64,568.7 2,007.4 35,329.3 415.8 17,641.8 234,847.3 3,853.2 41,138.4 1,169.8 402,460.0
8 142.9 0.0 1,262.6 0.0 62,258.3 2,080.2 35,651.4 423.0 14,824.7 235,533.9 3,072.5 39,494.9 1,186.5 395,930.80.0 0.0 0.0 0.0 498.4 323.4 55.5 0.0 85.6 1,476.3 0.0 647.7 0.0 3,086.8
142.9 0.0 1,262.6 0.0 62,756.6 2,403.6 35,706.9 423.0 14,910.3 237,010.2 3,072.5 40,142.6 1,186.5 399,017.5
9 142.4 0.0 1,239.4 0.0 61,468.0 1,695.5 36,319.8 414.9 14,580.8 245,995.0 3,364.2 44,050.6 1,200.7 410,471.30.0 0.0 0.0 0.0 474.5 186.5 55.5 0.0 85.6 1,416.9 0.0 437.2 0.0 2,656.1
142.4 0.0 1,239.4 0.0 61,942.5 1,882.0 36,375.2 414.9 14,666.4 247,411.9 3,364.2 44,487.8 1,200.7 413,127.4
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)
12 Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
1 Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
Skim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesan dan bank pelaburan berlesan di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Walau bagaimanapun, deposit pelaburan yang disifatkan sebagai deposit Islam di bawah seksyen 288 IFSA terus dilaporkan sebagai "Deposit Pelaburan Khusus" dan "Deposit Pelaburan Am" selepas 1 Julai 2015 sehingga tempoh matang, tertakluk kepada syarat-syarat yang dinyatakan di dalam polisi Pelan Peralihan di bawah IFSA. n.a Tidak diperoleh
Note:Please refer to Glossary for further explanation on some of the data items.Beginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Notwithstanding, the investment deposits which are deemed as Islamic deposits under section 288 of the IFSA shall continue to be reported as "Special Investment Deposits" and "General Investment Deposits" after 1 July 2015 until their maturities, subject to the requirements specified in the policy document on Transition Policy under IFSA. n.a Not available
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)
Jumlah/ Total
Bank-bank Islam / Islamic Banks
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
Pada Akhir Tempoh
End of Period
Jumlah Deposit
Total Deposit
Jumlah/ Total
Jumlah/ Total
Jumlah
Total
1.24.1 Sistem Perbankan Islam: Deposit mengikut JenisIslamic Banking System: Deposits by Type
RM juta / RM million
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
Bank-bank Islam / Islamic BanksSkim Perbankan Islam (SPI) / Islamic Banking Scheme (IBS)Jumlah/ Total
46
1.25 Sistem Perbankan: Jumlah Deposit mengikut PenyimpanBanking System: Total Deposits by Holder
Kerajaan Negeri
State Government
Badan Berkanun
Statutory Agency
Institusi Kewangan
Financial Institution
Perusahaan Perniagaan
Business Enterprises
Individu
Individuals
Lain-lain
Others
Jumlah
Total
1 26,264.0 37,349.1 268,990.3 534,462.3 552,813.8 86,372.6 1,523,978.02 26,115.9 34,896.7 268,663.9 530,734.1 557,117.1 89,352.2 1,524,325.63 27,603.3 39,571.5 272,258.9 536,405.3 560,219.1 88,792.1 1,544,342.74 28,264.8 37,989.8 278,716.5 536,110.5 561,895.0 89,768.7 1,549,547.05 27,613.8 40,676.5 279,749.2 535,988.0 563,296.4 91,832.2 1,553,705.46 28,324.7 41,264.1 278,915.5 537,691.8 565,752.2 94,296.7 1,564,168.37 27,118.1 44,154.8 277,028.7 543,627.2 566,891.8 94,968.7 1,572,290.78 28,663.5 49,518.1 275,204.5 532,721.0 567,435.5 93,358.5 1,566,259.59 28,794.4 50,260.4 277,254.8 542,276.2 569,676.4 93,707.7 1,580,909.810 31,601.5 51,737.4 283,149.2 551,186.0 570,651.9 90,114.9 1,597,882.411 31,787.6 51,796.8 296,893.8 551,493.4 572,414.2 88,708.0 1,613,309.712 30,913.4 50,008.8 302,173.6 569,171.2 581,453.6 92,993.9 1,641,605.11 31,314.1 48,233.7 308,409.0 562,490.8 586,569.3 91,836.0 1,644,192.32 32,638.3 48,778.3 311,726.8 554,680.1 592,518.4 93,973.3 1,650,193.33 32,371.6 48,241.5 316,104.4 580,295.9 595,226.8 97,684.2 1,683,611.24 33,461.8 48,132.6 309,370.3 568,272.9 599,682.0 103,434.2 1,677,948.15 33,876.2 46,507.0 320,360.3 556,941.5 600,577.8 100,476.2 1,677,939.86 33,777.3 46,226.5 312,648.5 560,504.1 605,833.3 101,915.4 1,684,022.87 34,631.6 43,184.8 280,877.3 549,459.6 604,490.8 100,486.5 1,638,200.88 35,363.6 43,116.6 276,512.9 552,907.3 605,063.3 101,439.3 1,641,057.89 34,723.2 45,029.7 280,853.9 563,388.7 609,671.5 100,769.4 1,661,934.410 34,169.6 45,454.6 277,206.8 563,000.3 609,269.5 99,891.1 1,650,438.711 32,730.8 44,295.0 280,328.0 570,163.1 607,942.3 103,650.1 1,659,215.812 32,580.8 44,049.1 288,154.3 574,440.6 612,075.7 103,530.2 1,670,394.81 32,853.2 44,704.3 282,597.0 562,517.6 614,772.5 102,199.7 1,658,485.02 34,192.8 45,709.9 282,034.9 567,106.0 622,112.7 102,958.8 1,670,473.73 34,750.7 45,808.2 287,064.8 556,052.0 624,942.1 102,608.5 1,668,338.94 34,625.2 46,848.9 280,849.6 550,435.8 628,537.5 100,231.9 1,659,584.35 35,131.0 49,049.8 278,330.8 560,194.6 628,584.5 100,546.5 1,671,425.96 35,252.8 47,405.0 281,992.9 555,912.7 632,245.4 100,691.0 1,675,102.27 34,676.9 44,248.5 288,112.1 535,234.2 631,428.4 104,187.2 1,654,341.08 33,791.1 45,586.2 289,548.9 532,437.1 633,466.0 103,882.9 1,654,617.99 32,526.6 47,561.6 295,312.2 536,981.9 637,865.9 106,601.8 1,675,065.5
Pada Akhir Tempoh
End of Period
Kerajaan Persekutuan
Federal Government
19,588.8
1.25 Sistem Perbankan: Jumlah Deposit dan Perjanjian Belian Balik mengikut PenyimpanBanking System: Total Deposits and Repurchase Agreement by Holder
RM juta / RM million
13,686.715,594.3
18,501.3
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.Bermula 1 Julai 2015, bank Islam berlesen di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA) dan bank berlesan dan bank pelaburan berlesan di bawah Akta Perkhidmatan Kewangan 2013 (FSA) yang dibenarkan di bawah seksyen 15 FSA untuk menjalankan perniagaan perbankan Islam dikehendaki menyiarkan secara berasingan wang yang diterima berasaskan deposit Islam atau akaun pelaburan. Walau bagaimanapun, deposit pelaburan yang disifatkan sebagai deposit Islam di bawah seksyen 288 IFSA terus dilaporkan sebagai "Deposit Tetap, Deposit Pelaburan Spesifik dan Deposit Pelaburan Am" selepas 1 Julai 2015 sehingga tempoh matang, tertakluk kepada syarat-syarat yang dinyatakan di dalam polisi Pelan Peralihan di bawah IFSA.
Note:Please refer to Glossary for further explanation on some of the data items.Beginning 1 July 2015, licensed Islamic banks under the Islamic Financial Services Act 2013 (IFSA) and licensed bank and licensed investment bank under the Financial Services Act 2013 (FSA) approved under section 15 of the FSA to carry on Islamic banking business are required to present separately monies accepted as Islamic deposit or investment account. Notwithstanding, the investmentdeposits which are deemed as Islamic deposits under section 288 of the IFSA shall continue to be reported as "Fixed Deposits, Special Investment Deposits and General Investment Deposits" after 1 July 2015 until their maturities, subject to the requirements specified in the policy document on Transition Policy under IFSA.
2014
2015
19,200.7
17,112.718,055.4
25,070.026,654.827,498.0
19,358.5
17,725.917,445.619,492.6
15,878.0
16,801.714,549.417,923.3
21,446.720,106.5
15,905.618,215.5
21,602.416,453.7
2016
23,117.7
18,940.119,441.720,216.014,890.715,339.4
15,564.118,840.716,358.7
47
Nisbah Keperluan Berkanun dan Nisbah Mudah TunaiStatutory Reserve Requirements and Liquidity Ratio 1.26 Nisbah Keperluan Berkanun dan Nisbah Mudah Tunai
Statutory Reserve Requirement and Liquidity Ratio
SRR Nisbah mudah tunai 4 SRR Nisbah mudah tunai 4 SRR Nisbah mudah tunai 4
SRR Liquidity ratio 4 SRR Liquidity ratio 4 SRR Liquidity ratio 4
1986 15 Feb. / 15 Feb. 4.0 17.0 3.0 10.0 3.0 10.0(10.0) (5.0)
1986 15 Okt. / 15 Oct. 3.5 17.0 3.0 10.0 3.0 10.0(10.0) (5.0)
1989 1 Jan. 6 / 1 Jan . 6 3.5 17.0 3.0 10.0 7 3.0 10.0 dan 12.5 5
(5.0)1989 2 Mei / 2 May 4.5 17.0 4.5 10.0 4.5 10.0 dan 12.5
(5.0)1989 16 Okt. / 16 Oct . 5.5 17.0 5.5 10.0 5.5 10.0 dan 12.5
(5.0)1990 16 Jan. / 16 Jan. 6.5 17.0 7 6.5 10.0 dan 12.5 8 6.5 10.0 dan 12.51991 16 Ogs / 16 Aug. 7.5 17.0 7.5 10.0 dan 12.5 8 7.5 10.0 dan 12.51992 2 Mei / 2 May 8.5 17.0 8.5 10.0 dan 12.5 8.5 10.0 dan 12.51994 3 Jan. / 3 Jan. 9.5 17.0 9.5 10.0 dan 12.5 9.5 10.0 dan 12.5
Year
Tarikh perubahan
Date of change
1.26Tahun
Merchant banksBank perdagangan
Commercial banks
Syarikat kewangan 9
Finance companies 9 Bank saudagar
1994 9.5 17.0 9.5 10.0 dan 12.5 9.5 10.0 dan 12.51994 16 Mei / 16 May 10.5 17.0 10.5 10.0 dan 12.5 10.5 10.0 dan 12.51994 1 Jul. / 1 Jul. 11.5 17.0 11.5 10.0 dan 12.5 11.5 10.0 dan 12.51996 1 Feb. / 1 Feb . 12.5 17.0 12.5 10.0 dan 12.5 12.5 10.0 dan 12.51996 1 Jun / 1 Jun. 13.5 17.0 13.5 10.0 dan 12.5 13.5 10.0 dan 12.51998 16 Feb. / 16 Feb. 10.0 17.0 10 10.0 10.0 dan 12.5 10 10.0 10.0 dan 12.5 10
1998 1 Jul. / 1 Jul. 8.0 17.0 8.0 10.0 dan 12.5 8.0 10.0 dan 12.51998 1 Sep. / 1 Sep . 6.0 17.0 6.0 10.0 dan 12.5 6.0 10.0 dan 12.51998 16 Sep. / 16 Sep. 4.0 15.0 4.0 10.0 dan 12.5 4.0 10.0 dan 12.52008 24 Nov. / 24 Nov. 3.5 - - - 3.5 -2009 1 Feb. / 1 Feb. 2.0 - - - 2.0 -2009 1 Mac / 1 Mar. 1.0 - - - 1.0 -2011 1 Apr. / 1 Apr. 2.0 - - - 2.0 -2011 16 Mei / 16 May 3.0 - - - 3.0 -2011 16 Jul. / 16 Jul. 4.0 - - - 4.0 -2016 1 Feb. / 1 Feb . 3.5 - - - 3.5 -
1 Pertama kali dikuatkuasakan ke atas bank perdagangan.2 Pertama kali dikuatkuasakan ke atas syarikat kewangan.3 Pertama kali dikuatkuasakan ke atas bank saudagar.4 Berkuatkuasa mulai 1 Februari 1987, nisbah mudah tunai minimum boleh dipuratakan. Purata harian nisbah mudah tunai dibolehkan
menyusut sebanyak 2% daripada nisbah minimum.5 Berkuatkuasa mulai 1 Februari 1987, bagi bank saudagar yang menerbitkan IDB, nisbah mudah tunai adalah lebih tinggi pada 12.5%.6 Berkuatkuasa mulai 1 Januari 1989, nisbah mudah tunai minimum boleh dipuratakan. Purata harian nisbah mudah tunai dibolehkan
menyusut sebanyak 0.5% daripada nisbah minimum.7 Berkuatkuasa mulai 1 Januari 1989, nisbah mudah tunai dua kumpulan ke atas bank perdagangan (berkuatkuasa mulai 1 Jun 1990) dan
syarikat kewangan telah dibubarkan. Nisbah utama ditunjukkan di dalam kurungan. 8 Berkuatkuasa mulai 1 Mac 1990, bagi syarikat kewangan yang menerbitkan IDB, nisbah mudah tunai adalah lebih tinggi pada 12.5%.9 Mulai tahun 2006, syarikat kewangan telah diserap oleh bank perdagangan.10 Nisbah mudah tunai telah digantikan dengan Rangka Kerja Mudah Tunai Baharu (New Liquidity Framework, NLF) pada tahun 1998.
NLF menjadikan pengurusan mudah tunai lebih berkesan dan berterusan apabila institusi perbankan dikehendaki memadankan keperluanaset cairnya berikutan kematangan hutang dengan kematangan aset yang sepadan.
1 First introduced for commercial banks.2 First introduced for finance companies.3 First introduced for merchant banks.4 With effect from 1 February 1987, averaging of the minimum liquidity requirement was allowed. Daily liquidity ratio was allowed to decline by as
much as 2% point below the required minimum.5 With effect from 1 February 1987, for merchant banks which issued NIDs, the minimum liquidity ratio was higher at 12.5%.6 With effect from 1 January 1989, averaging of the statutory reserve requirement was allowed. Daily SRR ratio was allowed to
decline by as much as 0.5% point below the required minimum.7 With effect from 1 January 1989, the two-tier liquidity ratios were removed for both the finance companies and commercial
banks (with effect from 1 June 1990). In brackets are the primary ratios.8 With effect from 1 March 1990, for finance companies which issued NIDs, minimum liquidity ratio was higher at 12.5%.9 By 2006, finance companies had been absorbed by commercial banks.10 The liquidity ratio was superseded by the New Liquidity Framework (NLF) in 1998. The NLF provides more efficient and on going liquidity
management by requiring banking institutions to match its liquid asset requirement arising from maturing obligations with maturing assets.
48
Keperluan Rizab Berkanun dan Aset Mudah TunaiStatutory Reserve and Liquid Asset Requirement1.27
Rizab Berkanun
Statutory Reserve
Tanggungan yang Layak dalam RM
RM Eligible Liabilities
Rizab Berkanun
Statutory Reserve
Tanggungan yang Layak dalam RM
RM Eligible Liabilities
Rizab Berkanun
Statutory Reserve
Tanggungan yang Layak dalam RM
RM Eligible Liabilities
33,101.3 820,890.9 12,481.6 306,553.2 903.1 22,718.832,663.3 824,202.6 12,657.7 310,617.6 889.9 21,903.333,033.3 830,987.3 12,974.8 317,979.2 877.4 21,683.132,651.3 828,501.6 13,011.1 324,874.5 869.6 21,404.034,589.1 846,721.7 13,628.7 334,315.6 874.9 21,302.134,127.9 855,029.5 13,592.4 336,350.2 843.5 20,807.933,767.5 858,234.0 14,245.3 344,131.9 863.8 21,651.434,084.2 849,555.8 14,388.8 348,849.0 858.8 21,302.634,097.6 847,377.8 14,121.4 351,421.7 842.9 20,955.533,408.3 842,680.2 14,024.7 354,253.1 879.7 21,599.933,557.7 839,156.0 14,251.3 356,827.1 883.1 21,641.534,568.9 850,820.1 14,055.7 344,035.8 877.1 21,173.834,233.7 854,126.4 13,671.5 345,859.3 869.7 21,428.134,487.1 866,448.8 13,841.7 348,202.4 924.6 22,991.533,728.0 863,575.8 13,903.6 351,094.5 873.0 21,585.334,128.9 867,176.5 13,731.9 343,835.9 868.5 21,521.835,076.6 863,760.5 13,929.0 341,107.4 850.1 21,240.329,780.6 860,360.8 11,373.9 336,212.1 741.4 21,006.828,920.5 864,601.7 11,863.0 334,920.2 696.9 19,886.730,936.2 870,672.6 11,721.6 333,358.5 694.0 20,055.828,699.2 868,923.4 11,720.1 333,637.4 707.7 20,014.629,238.7 865,387.4 12,035.0 332,030.8 733.8 20,688.230,698.1 868,851.1 11,904.5 332,408.4 769.3 21,684.030,192.4 870,215.3 11,843.0 333,132.5 754.4 21,579.729,950.2 871,759.6 12,028.2 335,504.7 730.9 21,188.4
89
1112
2016 1 234567
5678910
2014 9 101112
2015 1 234
1.27 Keperluan Rizab Berkanun and Aset Mudah TunaiStatutory Reserve and Liquid Asset Requirement
RM juta / RM million
Pada Akhir Tempoh
End of Period
Bank Perdagangan/Commercial Banks Bank-bank Islam/Islamic Banks Bank Pelaburan/Investment Banks
49
1.28a Nisbah Perlindungan Mudah TunaiLiquidity Coverage Ratio
Nisbah PerlindunganMudah Tunai (%)
Aset Cair Berkualiti Tinggi (Stok HQLA)
Aliran Keluar Tunai Bersih2
Nisbah PerlindunganMudah Tunai (%)
Aset Cair Berkualiti Tinggi (Stok HQLA)
Aliran Keluar Tunai Bersih2
Nisbah PerlindunganMudah Tunai (%)
Aset Cair Berkualiti Tinggi (Stok HQLA)
Aliran Keluar Tunai Bersih2
Nisbah PerlindunganMudah Tunai (%)
Aset Cair Berkualiti Tinggi (Stok HQLA)
Aliran Keluar Tunai Bersih2
Liquidity Coverage Ratio (%)
Stock of High Quality Liquid
Assets
Net Cash Outflows 2 Liquidity Coverage Ratio (%)
Stock of High Quality Liquid
Assets
Net Cash Outflows 2 Liquidity Coverage Ratio (%)
Stock of High Quality Liquid
Assets
Net Cash Outflows 2 Liquidity Coverage Ratio (%)
Stock of High Quality Liquid
Assets
Net Cash Outflows 2
2015 6 119% 479,061 401,243 125% 353,548 283,366 106% 103,879 98,007 109% 21,634 19,870 7 127% 456,179 358,740 135% 341,595 252,615 105% 92,652 88,408 124% 21,931 17,7178 122% 465,439 380,415 129% 352,687 272,505 101% 89,533 88,956 123% 23,219 18,9549 117% 471,122 401,456 122% 354,872 289,891 100% 92,552 92,751 126% 23,699 18,81410 121% 458,641 378,411 125% 348,255 277,787 108% 89,482 82,484 115% 20,904 18,14011 123% 461,203 374,206 130% 348,158 267,830 102% 92,505 90,618 130% 20,540 15,75712 127% 475,895 373,521 133% 359,416 269,885 111% 97,097 87,129 117% 19,382 16,507
2016 1 125% 475,821 381,487 129% 360,234 279,155 112% 96,101 85,634 117% 19,486 16,6992 131% 487 799 372 707 136% 369 808 272 906 118% 98 259 83 434 121% 19 733 16 367
1.28a Nisbah Perlindungan Mudah Tunai1
Liquidity Coverage Ratio 1
RM juta / RM million
Pada Akhir Tempoh
End of Period
Sistem Perbankan / Banking System Bank Perdagangan / Commercial Banks Bank-bank Islam / Islamic Banks Bank Pelaburan / Investment Banks
2 131% 487,799 372,707 136% 369,808 272,906 118% 98,259 83,434 121% 19,733 16,3673 126% 477,170 379,843 130% 356,385 273,502 113% 101,042 89,125 115% 19,743 17,2154 129% 475,189 367,889 135% 354,926 263,416 115% 100,956 87,642 115% 19,307 16,8315 127% 483,603 380,981 133% 356,556 268,464 112% 107,065 95,745 119% 19,981 16,7726 125% 496,183 397,938 127% 370,626 290,774 116% 106,758 92,323 127% 18,800 14,8427 125% 485,251 387,500 128% 356,603 279,610 117% 108,326 92,221 130% 20,322 15,6708 129% 486,078 377,665 133% 362,584 273,500 117% 102,956 87,940 127% 20,538 16,225
Note:1 The Liquidity Coverage Ratio Framework takes effect on 1 June 2015 and supersedes the guidelines on Liquidity Framework and Liquidity Framework-i issued on 1 July 1998.A banking institution shall maintain a minimum of the following LCR levels in accordance with the timeline below:
2 Net cash outflows over the next 30 calendar days.Please refer to Glossary for further explanation on some of the data items.
Nota:1 Rangka Kerja Nisbah Perlindungan Mudah Tunai berkuatkuasa pada 1 Jun 2015 dan menggantikan garis panduan Rangka Kerja Mudah Tunai dan Rangka Kerja Mudah Tunai - i yang dikeluarkan pada 1 Julai 1998. Institusi perbankan hendaklah mengekalkan tahap nisbah perlindungan mudah tunai minimum mengikut garis masa di bawah:
2 Aliran Keluar Tunai Bersih untuk 30 hari kalendar berikutnya.Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.
50
Sistem Perbankan: Komponen Modal (format terdahulu)Banking System: Constituents of Capital (previous format) 1.29
Sistem Perbankan: Komponen ModalBanking System: Constituents of Capital
RM juta / RM million
Modal Kumpulan 1 Modal Kumpulan 2 Jumlah ModalPelaburan di dalam anak-anak syarikat
dan pemegangan modal institusi perbankan lain
Modal AsasJumlah aset berwajaran
risiko1Nisbah Modal
Berwajaran Risiko Nisbah Modal Teras
2011 1 132,510.6 36,650.6 169,161.2 27,008.2 147,641.8 1,026,931.5 14.4 12.9 2 134,106.9 36,389.8 170,496.7 26,224.6 149,462.0 1,029,615.5 14.5 13.0 3 133,020.6 37,270.4 170,291.0 26,229.8 149,459.9 1,034,038.6 14.5 12.9 4 135,782.8 40,232.4 176,015.2 26,164.5 152,324.0 1,038,559.2 14.7 13.1 5 134,424.7 43,539.0 177,963.7 30,448.5 151,046.7 1,048,824.5 14.4 12.8 6 137,871.9 43,975.7 181,847.6 34,880.8 154,828.0 1,057,693.6 14.6 13.0 7 136,046.9 44,477.3 180,524.1 32,148.1 154,415.0 1,064,452.0 14.5 12.8 8 137,175.5 50,515.8 187,691.4 32,275.5 159,931.2 1,074,434.8 14.9 12.8 9 136,653.8 51,125.1 187,778.9 31,290.1 160,989.1 1,083,220.3 14.9 12.6 10 139,553.2 49,042.0 188,595.2 31,302.3 161,755.3 1,068,984.5 15.1 13.1 11 138,790.3 49,057.3 187,847.6 31,551.1 160,791.9 1,084,680.3 14.8 12.8
1.29
Akhir tempoh
End of period Tier 1 Capital Capital BaseTotal Risk Weighted
Assets 1Risk-Weighted Capital
Ratio (%) Core Capital Ratio (%)Tier 2 Capital Total Capital Investment in subsidiaries and holdings in other banking institutions capital
, , , , , , ,12 149,621.1 50,269.2 199,890.3 31,809.4 171,254.5 1,089,946.5 15.7 13.7
2012 1 148,182.4 50,515.6 198,698.0 31,807.9 169,497.3 1,115,258.2 15.2 13.3 2 148,241.5 50,253.4 198,494.8 31,812.2 169,316.9 1,125,167.6 15.0 13.2 3 150,107.5 48,797.3 198,904.8 31,825.2 169,930.3 1,138,305.1 14.9 13.2 4 146,877.1 46,369.7 193,246.8 32,150.1 166,685.3 1,140,926.2 14.6 12.9 5 149,258.4 49,473.1 198,731.4 32,135.2 170,085.3 1,159,174.8 14.7 12.9 6 157,797.7 49,113.0 206,910.7 32,132.3 178,531.6 1,175,105.7 15.2 13.4 7 154,428.8 46,198.4 200,627.2 32,221.5 175,409.0 1,180,684.9 14.9 13.1 8 153,423.1 47,068.4 200,491.5 32,681.2 174,807.7 1,189,503.0 14.7 12.9 9 156,793.8 49,259.0 206,052.8 32,970.2 177,536.9 1,189,699.3 14.9 13.2 10 160,465.7 49,689.9 210,155.6 32,972.2 181,527.4 1,188,488.8 15.3 13.5 11 159,779.3 50,882.6 210,661.9 33,130.5 181,882.3 1,191,667.5 15.3 13.4 12 165,329.7 50,575.1 215,904.8 33,517.9 187,093.1 1,190,652.3 15.7 13.9
1 Beginning April 2005, Total Risk-Weighted Assets, Risk-Weighted Capital Ratio and Core Capital Ratio include market risk factor2. Beginning January 2008, figures incorporate banking institutions under the Basel II Standardised Approach
1 Mulai April 2005, Jumlah Aset Berwajaran Risiko, Nisbah Modal Berwajaran Risiko dan Nisbah Modal Teras termasuk faktor risiko pasaran
2 Mulai Januari 2008, pengiraan termasuk institusi perbankan di bawah pendekatan standard Basel II
51
1.29aSistem Perbankan: Komponen ModalBanking System: Constituents of Capital 1
RM juta / RM million
Modal Ekuiti BiasaKumpulan 1 Modal Kumpulan 1 Jumlah Modal Jumlah Aset Berwajaran
RisikoNisbah Modal Ekuiti Biasa
Kumpulan 1 Nisbah Modal Kumpulan 1 Nisbah Jumlah Modal
2015 1 184,045.3 195,123.1 223,636.9 1,444,715.0 12.7 13.5 15.52 182,590.9 193,675.2 222,194.2 1,434,922.6 12.7 13.5 15.53 182,816.5 193,903.7 222,376.6 1,464,083.5 12.5 13.2 15.24 181,052.0 192,157.7 220,911.2 1,460,347.4 12.4 13.2 15.15 181,723.9 192,838.6 223,074.4 1,473,627.8 12.3 13.1 15.16 186,125.2 197,291.6 228,345.8 1,484,394.9 12.5 13.3 15.4
Total Risk Weighted Assets CET1 Capital Ratio (%) Tier 1 Capital Ratio (%) Total Capital Ratio (%)
1.29a
Akhir tempoh
End of period Common Equity Tier 1 Capital(CET1 Capital) Tier 1 Capital Total Capital
6 186,125.2 197,291.6 228,345.8 1,484,394.9 12.5 13.3 15.47 189,557.2 200,696.4 231,919.0 1,486,915.8 12.7 13.5 15.68 187,486.3 198,124.4 229,442.4 1,548,473.8 12.1 12.8 14.89 188,385.6 199,679.9 231,332.8 1,551,766.9 12.1 12.9 14.9
10 189,172.7 203,764.6 236,178.5 1,530,588.1 12.4 13.3 15.411 188,517.8 202,919.5 235,711.3 1,523,530.8 12.4 13.3 15.512 194,406.0 209,269.8 244,657.1 1,515,998.4 12.8 13.8 16.1
2016 1 194,060.1 208,047.7 248,134.3 1,505,305.3 12.9 13.8 16.52 194,777.9 208,814.7 248,936.2 1,519,804.8 12.8 13.7 16.43 194,875.5 208,833.8 247,948.8 1,498,958.9 13.0 13.9 16.54 193,764.6 207,727.0 246,622.8 1,501,021.5 12.9 13.8 16.45 194,642.9 209,015.4 247,552.7 1,510,941.5 12.9 13.8 16.46 202,625.4 216,988.7 254,683.1 1,515,334.9 13.4 14.3 16.87 203,667.8 218,055.8 256,962.9 1,513,105.9 13.5 14.4 17.08 202,675.4 217,039.2 253,965.8 1,513,885.2 13.4 14.3 16.89 202,327.9 216,734.0 253,843.7 1,523,885.8 13.3 14.2 16.7
1 Mulai Januari 2013, komponen modal dilaporkan berdasarkan Basel III Capital Adequacy Framework 1 Beginning January 2013, capital components are reported based on Basel III Capital Adequacy Framework
Sistem Perbankan: Komponen Modal Banking System: Constituents of Capital
52
1.30 Operasi Kad Kredit Di MalaysiaCredit Card Operations in Malaysia
Bilangan Urusniaga Menggunakan Kad
Luar Negara
Abroad
Luar Negara
Abroad
Kad Utama Kad Tambahan Amaun Had Kredit Dibenarkan
Baki Semasa
No. of Card Transactions
Pemegang Kad Tempatan
Local Cardholders
Pemegang Kad Asing
Foreign Cardholders
Pemegang Kad Tempatan
Local Cardholders
Pemegang Kad Tempatan
Local Cardholders
Pemegang Kad Asing
Foreign Cardholders
Pemegang Kad Tempatan
Local Cardholders
Principal Cards Supplementary Cards Amount of Credit Line Extended
Current Balances < 3 Bulan
<3 Months
> 3 hingga 6 Bulan
>3 To 6 Months
> 6 Bulan
>6 Months
2014 345.7 91,123.7 8,692.0 11,988.7 2,190.7 964.7 195.0 7.1 0.9 123,886.2 32,841.4 2,493.9 335.8 7.2
2015 359.6 96,793.2 7,985.3 13,542.4 2,154.4 996.1 174.1 7.7 0.9 127,744.9 33,651.6 2,358.1 352.4 10.5
9 29.0 7,463.3 727.9 1,050.8 190.1 82.2 16.3 7.2 0.9 125,111.5 32,068.0 2,587.6 339.9 8.8
10 29.3 7,714.5 711.8 1,070.8 187.7 80.7 16.2 7.2 0.9 125,180.8 32,152.0 2,463.6 337.7 8.6
11 28.5 7,722.6 623.0 1,045.5 178.3 72.4 16.1 7.2 0.9 125,174.5 32,660.4 2,660.6 339.7 9.6
12 31.8 8,680.9 750.5 1,320.4 181.0 81.4 17.8 7.1 0.9 123,886.2 32,841.4 2,493.9 335.8 7.2
1 30.0 8,327.8 646.3 1,064.1 165.0 76.7 13.5 7.2 0.9 124,235.6 33,019.0 2,459.5 370.1 7.5
2 28.7 7,549.9 682.9 922.0 149.2 84.0 12.4 7.2 0.9 124,376.4 32,827.2 2,721.3 386.7 9.6
3 31.0 9,279.2 800.2 1,151.1 180.6 83.6 15.0 7.2 0.9 123,854.5 32,980.6 2,579.2 370.5 11.1
4 27.3 7,088.5 658.2 1,105.0 167.4 75.8 13.6 7.2 0.9 124,434.2 32,135.7 2,412.6 357.6 10.3
5 29.2 7,552.1 620.2 1,148.7 181.7 72.9 17.8 7.3 0.9 125,367.3 31,990.6 2,508.9 351.1 13.5
6 29.8 7,800.7 628.5 1,135.5 176.0 74.2 14.7 7.3 0.9 125,957.5 32,232.4 2,417.5 352.3 9.9
7 30.0 7,932.0 635.6 1,082.6 174.3 86.6 14.5 7.4 0.9 122,156.2 32,156.9 2,351.2 351.1 10.9
8 29.6 7,869.7 673.1 1,034.7 185.3 97.5 12.7 7.4 0.9 121,871.4 32,253.5 2,580.4 352.2 12.2
9 29.7 7,800.0 661.0 1,125.7 189.2 90.5 14.8 7.4 0.9 123,624.5 32,172.9 2,485.7 346.3 10.4
10 30.1 8,104.3 615.1 1,160.1 197.4 88.1 13.5 7.5 0.9 125,453.0 32,319.4 2,336.9 357.3 11.9
11 30.5 8,156.1 612.7 1,182.5 190.3 80.5 14.1 7.6 0.9 126,349.4 32,701.0 2,509.5 350.2 12.9
12 33.7 9,332.7 751.5 1,430.3 198.0 85.6 17.6 7.7 0.9 127,744.9 33,651.6 2,358.1 352.4 10.5
1 32.6 8,909.5 709.5 1,167.3 175.1 77.4 15.2 7.7 0.9 128,688.3 33,898.9 2,410.0 358.6 11.5
2 29.9 7,604.0 635.6 1,037.3 179.9 76.3 12.6 7.8 0.9 128,378.5 32,842.9 2,520.9 366.7 10.5
3 31.5 8,437.8 743.2 1,230.1 193.9 84.3 14.8 7.8 1.0 130,432.5 32,725.7 2,218.2 357.8 10.2
4 30.4 7,960.0 640.6 1,220.7 188.3 76.5 14.5 7.9 1.0 131,148.9 32,810.4 2,261.8 352.8 11.7
5 32.3 8,397.0 660.4 1,254.3 201.2 79.7 15.5 7.9 1.0 132,220.9 32,881.0 2,260.0 349.3 12.8
6 31.4 8,363.8 684.4 1,217.7 193.4 79.8 17.5 8.0 1.0 133,424.6 33,145.1 2,266.3 350.3 4.9
7 31.4 8,010.6 730.7 1,266.4 203.5 85.1 17.1 7.8 1.1 133,948.9 32,983.7 2,492.0 354.2 6.7
8 32.6 8,490.8 828.8 1,196.3 202.2 94.2 15.7 8.0 1.0 135,314.2 33,150.3 2,331.9 351.8 9.0
9 31.5 8,016.6 746.0 1,343.5 207.5 83.8 18.6 8.1 1.0 136,132.4 33,304.7 2,370.3 365.9 5.9
2016
Nota:Sila rujuk pada Glosari untuk penjelasan lanjut mengenai beberapa item data.
Note:Please refer to Glossary for further explanation on some of the data items.
Jumlah Baki Tertunggak dari Pemegang Kad
Total Outstanding Balances due from Cardholders
Dalam Malaysia
In Malaysia
Dalam Malaysia
In Malaysia
Baki Melebihi Tempoh
Overdue Balances
2014
2015
1.30 Operasi Kad Kredit Di MalaysiaCredit Card Operations In Malaysia
RM juta /Unit(juta)/RM million/Unit(million)
Tempoh
Period
Urusniaga bagi Tempoh
Transactions during the period
Urusniaga pada Akhir Tempoh
Transactions as at end of period
Jumlah Belian
Total Purchases
Jumlah Pendahuluan Tunai
Total Cash Advances
Bilangan Kad Dalam Edaran
No. of Cards in Circulation
53
2.1 Kadar Faedah: Institusi PerbankanInterest Rates: Banking Institutions
Kadar Faedah: Institusi PerbankanInterest Rates: Banking Institutions
Peratus setahun / Percent per annum
1 3 6 9 12 1 3 6 9 122014 1 2.91 2.97 3.02 3.05 3.15 0.98 6.53 4.53 3.02 3.28 3.37 3.39 3.40 6.39
2 2.91 2.97 3.02 3.05 3.15 0.98 6.53 4.44 3.05 3.29 3.36 3.42 3.36 6.42 3 2.91 2.97 3.02 3.05 3.15 0.98 6.53 4.54 3.10 3.31 3.38 3.42 3.42 6.33 4 2.91 2.97 3.02 3.05 3.15 0.98 6.53 4.52 3.11 3.30 3.39 3.42 3.42 6.36 5 2.91 2.97 3.02 3.05 3.15 1.00 6.53 4.47 3.14 3.29 3.40 3.42 3.40 6.39 6 2.91 2.97 3.02 3.05 3.15 1.01 6.53 4.54 3.19 3.26 3.38 3.43 3.40 6.46 7 3.07 3.12 3.17 3.21 3.30 1.07 6.78 4.61 3.14 3.39 3.45 3.51 3.55 6.56 8 3.07 3.12 3.17 3.21 3.30 1.07 6.79 4.69 3.37 3.25 3.50 3.49 3.53 6.56 9 3.07 3.12 3.17 3.21 3.30 1.08 6.79 4.72 3.22 3.48 3.51 3.52 3.56 6.62
10 3.07 3.12 3.18 3.22 3.30 1.08 6.79 4.67 3.34 3.49 3.59 3.52 3.57 6.69 11 3.08 3.13 3.19 3.23 3.31 1.07 6.79 4.65 3.28 3.18 3.18 3.69 3.60 6.74 12 3.08 3.13 3.19 3.23 3.31 1.07 6.79 4.67 3.70 3.51 4.12 3.70 3.65 6.76
2015 1 3.08 3.13 3.19 3.23 3.31 1.07 3.81 6.79 4.64 3.46 3.71 3.70 3.76 3.79 6.87 2 3.08 3.13 3.19 3.23 3.31 1.06 3.81 6.79 4.67 3.40 3.74 3.74 3.82 3.73 6.75 3 3.08 3.13 3.19 3.23 3.31 1.08 3.81 6.79 4.68 3.24 3.66 3.52 3.78 3.68 6.87 4 3 08 3 13 3 19 3 23 3 31 1 07 3.79 6 79 4 68 3 34 3 12 3 37 3 82 3 81 6 97
Average Lending RatePeriod (in months) Period (in months)
Kadar Berian Pinjaman PurataFixed deposits Fixed deposits
Tempoh (dalam bulan) Average rates
during the period
Tempoh (dalam bulan)Savings deposit Weighted Base
RateBase Lending
RateAverage
Lending Rate
2.1Kadar purata bagi
tempoh
Bank-bank Perdagangan / Commercial Banks Bank-bank Pelaburan / Investment Banks
Deposit tetap Deposit tabungan Kadar Asas berwajaran
Kadar Berian Pinjaman Asas
Kadar Berian Pinjaman Purata
Deposit tetap
4 3.08 3.13 3.19 3.23 3.31 1.07 3.79 6.79 4.68 3.34 3.12 3.37 3.82 3.81 6.975 3.09 3.14 3.19 3.23 3.31 1.07 3.79 6.79 4.61 3.03 3.29 3.74 3.67 3.72 6.90 6 3.08 3.14 3.19 3.23 3.31 1.06 3.79 6.79 4.57 3.31 3.67 3.78 3.70 3.74 6.90 7 3.08 3.14 3.19 3.23 3.31 1.06 3.77 6.79 4.54 3.32 3.07 3.76 3.73 3.74 6.88 8 3.08 3.14 3.19 3.23 3.31 1.05 3.77 6.79 4.51 3.48 3.22 3.75 3.76 3.74 6.85 9 3.08 3.14 3.19 3.23 3.31 1.06 3.77 6.79 4.49 3.39 3.64 3.75 3.76 3.74 6.91
10 3.08 3.13 3.18 3.22 3.31 1.05 3.77 6.79 4.54 3.41 3.68 3.44 3.80 3.87 6.85 11 3.08 3.13 3.18 3.22 3.31 1.04 3.77 6.79 4.53 3.39 3.38 3.36 3.83 3.85 6.90 12 3.08 3.13 3.18 3.22 3.31 1.04 3.77 6.79 4.57 3.72 3.94 3.66 3.73 3.79 6.90
2016 1 3.08 3.13 3.18 3.23 3.31 1.03 3.78 6.79 4.58 3.48 3.67 3.54 3.75 3.85 6.89 2 3.08 3.13 3.19 3.23 3.31 1.03 3.78 6.80 4.61 3.50 3.79 3.40 3.75 3.93 6.67 3 3.08 3.13 3.19 3.23 3.31 1.03 3.79 6.80 4.61 3.54 3.43 3.51 3.76 3.86 6.68 4 3.08 3.14 3.19 3.23 3.31 1.02 3.79 6.80 4.60 3.51 3.62 3.39 3.41 3.81 6.65 5 3.07 3.13 3.19 3.22 3.29 1.03 3.81 6.80 4.55 3.49 3.34 3.47 3.39 3.35 6.70 6 3.08 3.13 3.18 3.22 3.29 1.07 3.83 6.81 4.61 3.23 3.39 3.31 3.36 3.37 6.65 7 2.90 2.98 3.02 3.06 3.01 0.98 3.62 6.69 4.52 2.87 3.21 3.27 3.21 3.40 6.598 2.87 2.87 2.98 3.02 3.07 0.95 3.60 6.65 4.46 3.22 3.30 3.62 3.33 3.05 6.569 2.87 2.92 2.98 3.02 3.07 0.96 3.60 6.65 4.55 3.15 3.29 3.19 3.22 3.43 6.48
1 Mulai Ogos 2000, kadar deposit tetap bagi Bank-bank Perdagangan, Syarikat-syarikat Kewangan dan Bank-bank Saudagar 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.2 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 2011.3 Berkuat kuasa 2 Januari 2015, Kadar Asas akan menggantikan Kadar Pinjaman Asas sebagai kadar rujukan utama bagi pinjaman runcit kadar terapung. Kadar Asas akan digunakan untuk pinjaman runcit kadar terapung baharu dan pembiayaan semula pinjaman sedia ada yang diberikan sejak 2 Januari 2015. Selepas tarikh kuat kuasanya, pinjaman berasaskan BLR yang diambil sebelum tahun 2015 akan terus menjadi rujukan berbanding dengan BLR. Walau bagaimanapun, apabila sesebuah institusi kewangan membuat sebarang pelarasan terhadap Kadar Asas, pelarasan yang serupa juga akan dibuat terhadap BLR.
1 From August 2000 onwards, the Fixed Deposit Rate series for Commercial Banks, Finance Companies and Merchant Banks have been revised. Data for x-month fixed deposit rate refers to the quoted rate for that particular maturity alone. (Data prior to this date continue to reflect the average maturity).2 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; Sumitomo Mitsui Banking Corporation from May 2011 onwards; Mizuho Corporation Bank (M) Berhad and BNP Paribas Malaysia Berhad from December 2011 onwards. 3 Effective 2 January 2015, the Base Rate would replace the Base Lending Rate as the main reference rate for new retail floating rate loans. The Base Rate would be used for new retail floating rate loans and the refinancing of existing loans extended from 2 January 2015 onwards. After the effective date, BLR-based loans prior to 2015 will continue to be referenced against the BLR. However, when a financial institution makes any adjustment to the Base Rate, a corresponding adjustment to the BLR will also be made.
54
2.2 Sistem Perbankan Islam: Kadar Pembiayaan dan Pulangan kepada PendepositIslamic Banking System: Financing Rate and Rate of Return to Depositors
Sistem Perbankan Islam: Kadar Pembiayaan dan Pulangan kepada PendepositIslamic Banking System: Financing Rate and Rate of Return to Depositors
Peratus setahun / Percent per annum
Kadar Asas Kadar
Pembiayaan Asas
Kadar Pembiayaan
Purata
1 3 6 9 12 1 3 6 9 122014 1 2.74 2.84 2.86 2.95 2.96 0.90 6.62 5.01 3.04 3.17 3.23 3.20 3.35
2 2.75 2.84 2.86 3.01 2.92 0.92 6.62 5.07 3.05 3.18 3.23 3.20 3.35 3 2.77 2.87 2.93 3.00 2.93 0.93 6.62 5.07 3.07 3.19 3.23 3.20 3.35 4 2.67 2.83 2.92 2.97 2.89 0.93 6.62 4.96 3.08 3.21 3.20 3.20 3.35 5 2.71 2.83 2.92 2.95 2.93 0.92 6.62 5.03 3.09 3.23 3.23 3.22 3.38 6 2.71 2.88 2.96 2.93 2.94 0.88 6.62 4.98 3.07 3.25 3.23 3.22 3.38 7 2.76 2.87 3.00 3.00 3.01 0.88 6.87 5.09 3.27 3.40 3.40 3.38 3.60 8 2.88 2.91 3.03 3.04 3.07 0.92 6.87 5.11 3.30 3.41 3.44 3.41 3.60
9 2.90 2.97 3.07 3.00 3.01 0.86 6.87 5.10 3.30 3.42 3.42 3.41 3.60
10 2.89 2.93 3.07 3.02 3.05 0.88 6.87 5.08 3.25 3.47 3.37 3.28 0.00
11 2.91 3.02 3.11 3.04 3.05 0.88 6.87 5.12 3.28 3.47 3.45 3.26 0.00
12 2.96 3.08 3.20 3.09 3.09 0.88 6.87 5.09 3.61 3.65 3.45 3.21 2.80 2 96 3 0 3 18 3 1 3 0 0 89 3 81 6 8 0 3 3 3 61 3 48 3 20 2 80
Average rate during the periodInvestment account
Base Rate Base Financing Rate
Average Financing Rate
Investment accountTempoh (dalam bulan) / Period (in months)
Savings depositTempoh (dalam bulan) / Period (in months)
2.2
Kadar purata bagi tempoh
Bank-bank Islam dan Bank-bank Perdagangan (SPI) Bank-bank pelaburan (SPI)Islamic Banks and Commercial Banks (IBS) Investment Banks (IBS)
Akaun pelaburanAkaun tabungan
Akaun pelaburan
2015 1 2.96 3.05 3.18 3.15 3.07 0.89 3.81 6.87 5.05 3.35 3.61 3.48 3.20 2.80
2 2.85 3.10 3.26 3.09 3.03 0.88 3.81 6.87 5.09 3.38 3.58 3.50 3.29 2.80
3 2.92 3.05 3.19 3.12 3.08 0.83 3.83 6.87 4.99 3.34 3.62 3.50 3.53 2.80
4 2.89 2.99 3.18 3.10 3.05 0.82 3.83 6.87 5.03 3.37 3.75 3.50 3.59 2.80
5 2.91 2.98 3.20 3.19 3.06 0.81 3.83 6.87 4.98 3.36 3.67 3.50 3.63 2.80
6 2.95 3.02 3.20 3.14 3.09 0.78 3.83 6.87 4.96 3.37 3.62 3.73 3.31 2.80
7 2.94 3.06 3.26 3.18 3.14 0.78 3.81 6.87 4.94 3.38 3.72 3.73 3.31 0.00
8 2.99 3.07 3.33 3.19 3.20 0.78 3.80 6.87 4.96 3.41 3.63 3.73 3.31 0.00
9 2.97 3.07 3.30 3.19 3.13 0.72 3.80 6.87 4.95 3.50 3.70 3.79 3.31 0.00
10 3.25 3.33 3.47 3.51 3.48 0.67 3.80 6.87 4.95 3.53 3.80 3.59 3.31 0.00
11 3.24 3.34 3.49 3.53 3.45 0.71 3.80 6.87 4.99 3.71 3.87 3.65 3.50 0.00
12 3.27 3.35 3.45 3.58 3.57 0.70 3.81 6.87 4.98 4.47 3.93 3.81 3.50 0.00
2016 1 3.25 3.32 3.46 3.56 3.53 0.72 3.81 6.87 5.02 3.47 3.92 3.81 3.50 0.00
2 3.16 3.23 3.43 3.56 3.40 0.72 3.82 6.88 5.03 3.41 4.05 3.99 0.00 0.00
3 3.16 3.24 3.42 3.42 3.36 0.70 3.82 6.89 5.32 3.30 3.86 3.99 0.00 0.00
4 3.17 3.29 3.53 3.58 3.46 0.68 3.83 6.90 5.23 3.42 3.67 3.84 0.00 0.00
5 3.11 3.29 3.53 3.49 3.43 0.70 3.82 6.90 5.36 3.46 3.71 3.90 0.00 0.00
6 3.12 3.24 3.45 3.50 3.33 0.63 3.82 6.91 5.37 3.53 3.78 3.91 0.00 0.00
7 3.05 3.12 3.27 3.44 3.21 0.63 3.68 6.73 5.30 3.34 3.66 3.87 0.00 0.00
8 2.96 3.10 3.18 3.33 3.33 0.63 3.63 6.69 5.24 3.13 3.90 0.00 0.00 0.00 9 3.01 3.07 3.28 3.43 3.20 0.62 3.63 6.69 5.21 3.06 3.70 3.45 0.00 0.00
ta:I - Skim Perbankan Islam Data bagi Kadar Pembiayaan Asas dan Kadar Pembiayaan Purata hanya diperolehi mulai Januari 2009 Berkuat kuasa 2 Januari 2015, Kadar Asas akan menggantikan Kadar Pinjaman Asas sebagai kadar rujukan utama bagi pinjaman runcit kadar apung. Kadar Asas akan digunakan untuk pinjaman runcit kadar terapung baharu dan pembiayaan semula pinjaman sedia ada yang diberikanak 2 Januari 2015. Selepas tarikh kuat kuasanya, pinjaman berasaskan BFR yang diambil sebelum tahun 2015 akan terus menjadi rujukan rbanding dengan BFR. Walau bagaimanapun, apabila sesebuah institusi kewangan membuat sebarang pelarasan terhadap Kadar Asas, pelarasan
Note:IBS - Islamic Banking Scheme1 Data for Base Financing Rate (BFR) and Average Financing Rate (AFR) are only available from January 2009.2 Effective 2 January 2015, the Base Rate would replace the Base Lending Rate (BLR) as the main reference rate for new retail floating rate loans. The Base Rate would be used for new retail floating rate loans and the refinancing of existing loans extended from 2 January 2015 onwards. After the effective date, BFR-based loans prior to 2015 will continue to be referenced against the BFR. However, when a financial institution makes any adjustments to the Base Rate a corresponding adjustment to the BFR will also be made
ta:I - Skim Perbankan Islam Data bagi Kadar Pembiayaan Asas dan Kadar Pembiayaan Purata hanya diperolehi mulai Januari 2009 Berkuat kuasa 2 Januari 2015, Kadar Asas akan menggantikan Kadar Pinjaman Asas sebagai kadar rujukan utama bagi pinjaman runcit kadar apung. Kadar Asas akan digunakan untuk pinjaman runcit kadar terapung baharu dan pembiayaan semula pinjaman sedia ada yang diberikanak 2 Januari 2015. Selepas tarikh kuat kuasanya, pinjaman berasaskan BFR yang diambil sebelum tahun 2015 akan terus menjadi rujukan rbanding dengan BFR. Walau bagaimanapun, apabila sesebuah institusi kewangan membuat sebarang pelarasan terhadap Kadar Asas, pelarasan ng serupa juga akan dibuat terhadap BFR.
Note:IBS - Islamic Banking Scheme1 Data for Base Financing Rate (BFR) and Average Financing Rate (AFR) are only available from January 2009.2 Effective 2 January 2015, the Base Rate would replace the Base Lending Rate (BLR) as the main reference rate for new retail floating rate loans. The Base Rate would be used for new retail floating rate loans and the refinancing of existing loans extended from 2 January 2015 onwards. After the effective date, BFR-based loans prior to 2015 will continue to be referenced against the BFR. However, when a financial institution makes any adjustments to the Base Rate, a corresponding adjustment to the BFR will also be made.
55
2.3 Kadar Faedah: Pasaran Wang Antara BankInterest Rates: Interbank Money Market
Kadar Faedah: Pasaran Wang Antara Bank1
Interest Rates: Interbank Money Market1
Peratus Setahun / Percent per annum
Kadar Dasar SemalamanOvernight policy rate (OPR) 2
Purata Purata Purata Purata Purata PurataAvg Avg Avg Avg Avg Avg
2014 3.25 3.06 - 3.13 3.10 3.12 - 3.15 3.13 3.19 - 3.24 3.21 3.49 - 3.52 3.51 3.76 - 3.76 3.76 - - - -2015 3.25 3.13 - 3.25 3.21 3.24 - 3.28 3.25 3.34 - 3.39 3.36 3.73 - 3.74 3.74 3.78 - 3.78 3.78 - - - -
2015 9 3.25 3.05 - 3.24 3.18 3.24 - 3.28 3.25 3.44 - 3.47 3.45 3.73 - 3.73 3.73 - - - - - - - -
10 3.25 3.04 - 3.25 3.17 3.24 - 3.28 3.25 3.39 - 3.45 3.44 3.74 - 3.75 3.75 - - - - - - - -11 3.25 3.06 - 3.26 3.18 3.23 - 3.29 3.24 3.39 - 3.39 3.39 3.73 - 3.73 3.73 - - - - - - - -12 3.25 3.05 - 3.21 3.11 3.17 - 3.28 3.18 3.40 - 3.43 3.42 3.85 - 3.86 3.85 3.92 - 3.92 3.92 - - - -
2016 1 3.25 3.08 - 3.19 3.12 3.15 - 3.25 3.16 3.35 - 3.37 3.35 3.83 - 3.84 3.83 3.83 - 3.83 3.83 - - - -2 3.25 3.05 - 3.18 3.14 3.14 - 3.22 3.14 3.29 - 3.31 3.29 - - - - - - - - - - - -
3 3.25 3.06 - 3.20 3.15 3.20 - 3.22 3.20 3.27 - 3.31 3.28 - - - - - - - - - - - -4 3.25 3.08 - 3.21 3.16 3.22 - 3.24 3.22 3.28 - 3.29 3.28 3.67 - 3.67 3.67 - - - - - - - -5 3.25 3.10 - 3.21 3.17 3.22 - 3.24 3.23 3.26 - 3.32 3.27 - - - - 3.76 - 3.76 3.76 - - - -6 3.25 3.11 - 3.23 3.18 3.22 - 3.24 3.23 3.30 - 3.33 3.30 3.62 - 3.62 3.62 - - - - - - - -7 3.00 2.90 - 3.05 2.99 3.09 - 3.12 3.10 3.13 - 3.19 3.15 3.33 - 3.33 3.33 - - - - - - - -8 3.00 2.84 - 3.02 2.93 3.02 - 3.04 3.02 3.07 - 3.12 3.08 3.31 - 3.31 3.31 3.48 - 3.48 3.48 - - - -9 3.00 2.87 - 3.01 2.97 3.02 - 3.04 3.03 3.08 - 3.11 3.09 - - - - 3.47 - 3.47 3.47 - - - -
September 2016 01 3.00 2.85 - 3.00 2.99 3.01 - 3.03 3.03 3.08 - 3.13 3.08 - - - - - - - - - - - -02 3.00 2.88 - 2.99 2.99 3.03 - 3.04 3.03 3.07 - 3.15 3.08 - - - - - - - - - - - -05 3.00 2.89 - 3.00 2.98 3.03 - 3.03 3.03 3.08 - 3.08 3.08 - - - - - - - - - - - -06 3.00 2.95 - 3.05 3.00 3.02 - 3.05 3.03 3.08 - 3.15 3.08 - - - - - - - - - - - -07 3.00 3.00 - 3.05 3.00 3.02 - 3.04 3.03 3.07 - 3.13 3.08 - - - - - - - - - - - -08 3.00 2.85 - 3.03 3.00 3.02 - 3.03 3.02 3.13 - 3.13 3.13 - - - - - - - - - - - -09 3.00 2.98 - 3.01 3.00 3.03 - 3.05 3.04 3.08 - 3.15 3.09 - - - - - - - - - - - -13 3.00 2.95 - 3.00 2.99 3.00 - 3.04 3.03 3.08 - 3.13 3.12 - - - - - - - - - - - -14 3.00 2.90 - 3.00 2.98 3.03 - 3.09 3.04 3.07 - 3.13 3.08 - - - - - - - - - - - -15 3.00 2.78 - 3.00 2.96 3.03 - 3.04 3.03 3.13 - 3.13 3.13 - - - - 3.46 - 3.46 3.46 - - - -19 3.00 2.77 - 3.00 2.83 3.02 - 3.04 3.02 3.08 - 3.08 3.08 - - - - - - - - - - - -20 3.00 2.80 - 3.00 2.94 3.00 - 3.04 3.02 3.08 - 3.12 3.09 - - - - - - - - - - - -21 3.00 2.90 - 3.00 2.99 3.02 - 3.04 3.03 3.07 - 3.08 3.07 - - - - - - - - - - - -22 3.00 2.85 - 3.00 2.99 3.02 - 3.04 3.03 3.08 - 3.13 3.11 - - - - - - - - - - - -23 3.00 2.83 - 3.00 2.99 3.03 - 3.04 3.03 3.08 - 3.08 3.08 - - - - - - - - - - - -26 3.00 2.85 - 2.95 2.90 - - - - 3.08 - 3.13 3.09 - - - - 3.47 - 3.47 3.47 - - - -27 3.00 2.80 - 3.02 2.96 3.00 - 3.05 3.03 3.08 - 3.08 3.08 - - - - - - - - - - - -28 3.00 2.82 - 3.00 2.98 3.02 - 3.05 3.03 3.08 - 3.08 3.08 - - - - - - - - - - - -29 3.00 2.80 - 3.00 2.90 3.03 - 3.05 3.03 3.08 - 3.08 3.08 - - - - - - - - - - - -30 3.00 2.90 3.01 2.99 3.02 3.05 3.03 3.08 3.08 3.08 - - - 3.48 3.48 3.48 - - - -
1 Kadar faedah harian pasaran wang antara bank boleh diperolehi melalui laman web Bank Negara Malaysia. 1 Daily Interbank rates are available from BNM home page.2 Berkuatkuasa mulai 26 April 2004. 2 With effect from 26 April 2004."-" Tiada urusniaga pada tempoh tersebut. "-" Mean no trading for the period.
3 month1 monthJulat
Overnight moneyJulatJulat
6 monthPeriod
Range
6 bulan1 week
Range
3 bulanPada akhir tempoh
As at period endJulat
12 month
2.3Kadar purata berwajaran antara bank
Weighted average interbank ratesWang semalaman 1 minggu
Tempoh12 bulan1 bulan
RangeRange RangeJulatJulat
Range
56
2.4 Kadar Faedah: Bil Perbendaharaan dan Bil Bank Negara Interest Rates: Treasury Bills and Bank Negara Bills
Kadar Faedah: Bil Perbendaharaan dan Bil Bank NegaraInterest Rates: Treasury Bills and Bank Negara Bills
Peratus setahun / Percent per annum
3 6 12 1 2 3 6 9 12
2014 3.125 3.166 3.175 - 2.908 3.056 3.045 3.109 3.113
2015 3.109 2.983 3.059 - - - - 3.080 -
2014 9 3.251 3.410 - - - 3.271 - 3.275 3.376
10 3.303 3.367 - - - 3.199 - 3.264 3.237
11 3.367 - - - - 3.286 - 3.358 3.334
12 3.371 3.475 3.483 - - - - - 3.414
2015 1 3.376 3.419 3.361 - - - - - -
2 3.252 3.198 3.169 - - - - - -
3 2.990 3.019 3.001 - - - - - -
4 2.953 2.942 2.895 - - - - - -
5 3.107 - 2.784 - - - - - -
6 2.803 2.801 - - - - - - -
7 3.230 2.962 - - - - - - -
8 3.246 - 3.144 - - - - 3.080 -
9 3.020 3.008 - - - - - - -
10 - - - - - - - - -
11 - 2.512 - - - - - - -
12 - - - - - - - - -
2016 1 - 2.703 2.694 - - - - - -
2 - - - - - - - - -
3 2.391 2.431 - - - - - - -
4 - - - - - - - - -
5 - 2.827 - - - - - - -
6 2.911 - - - - - - - -
7 - 2.347 - - - - - - -
8 - - 2.325 - - - - - -
9 2.609 2.398 - - - - - - -
"-" Tiada urusniaga pada tempoh tersebut. "-" Means no trading for the period.
PeriodTempoh (dalam bulan) / Period (in months) Tempoh (dalam bulan) / Period (in months)
2.4Kadar diskaun purata Bil Perbendaharaan Kadar diskaun purata Bil Bank Negara
Average discount rate on Treasury bills Average discount rate on Bank Negara billsTempoh
57
2.5 Hasil Indikatif Pasaran: Sekuriti Kerajaan Malaysia Market Indicative Yield: Malaysian Government Securities
Hasil Indikatif Pasaran1: Sekuriti Kerajaan MalaysiaMarket Indicative Yield 1 : Malaysian Government Securities
Peratus setahun / Percent per annum
2013 3.0250 3.2070 3.3370 3.5650 3.6640 4.1280 4.4690 4.6360 2014 3.4790 3.5500 3.6420 3.7730 3.8350 4.1470 4.4210 4.5900 2015 2.5860 2.8840 3.2690 3.3910 3.4680 4.1860 4.5690 4.6740 2014 2 3.0300 3.1490 3.2890 3.5610 3.6120 4.1180 4.5590 4.7150
3 3.0660 3.2380 3.4020 3.5570 3.6630 4.1090 4.4990 4.6940 4 3.0500 3.2130 3.3880 3.5180 3.6270 4.0730 4.4360 4.6390 5 3.1370 3.3440 3.4950 3.6480 3.7320 4.0330 4.3990 4.6010 6 3.1690 3.3510 3.5150 3.6460 3.7430 4.0430 4.3420 4.4230 7 3.2070 3.3520 3.4800 3.5830 3.6680 3.8820 4.2240 4.3040 8 3.2370 3.3210 3.5110 3.5960 3.6830 3.9170 4.2290 4.3150 9 3.2640 3.3450 3.4640 3.5820 3.6680 3.9210 4.2220 4.3170 10 3.3330 3.4080 3.4830 3.5790 3.6350 3.8310 4.1590 4.2570 11 3.4210 3.4950 3.5800 3.6350 3.7180 3.8530 4.1410 4.2540 12 3.4790 3.5500 3.6420 3.7730 3.8350 4.1470 4.4210 4.5900
2015 1 3.3450 3.4640 3.5280 3.6090 3.6630 3.8310 4.1140 4.3500 2 3.2710 3.3750 3.4280 3.5710 3.6250 3.8690 4.1460 4.3490 3 3.2050 3.2890 3.3460 3.5030 3.5900 3.8940 4.1340 4.3310 4 3.1860 3.2560 3.3000 3.4830 3.5930 3.8520 4.0360 4.2920 5 3.1250 3.2760 3.3630 3.5290 3.5870 3.9180 4.1380 4.2620 6 3.0410 3.1690 3.2960 3.5260 3.6650 4.0320 4.1760 4.2730 7 3.0790 3.1640 3.2930 3.4620 3.6160 4.0800 4.2740 4.3580 8 3.0760 3.3370 3.5180 3.8440 3.9800 4.3960 4.6500 4.7790 9 3.2020 3.3890 3.7110 3.8230 3.8560 4.1510 4.6210 4.7390 10 2.8140 2.9610 3.5800 3.6480 3.7090 4.1260 4.3890 4.4790 11 2.5980 2.9600 3.4000 3.5850 3.7040 4.1990 4.4480 4.5460 12 2.5860 2.8840 3.2690 3.3910 3.4680 4.1860 4.5690 4.6740
2016 1 2.7740 3.0830 3.2040 3.3050 3.3400 3.8500 4.2360 4.5080 2 2.8930 3.2100 3.3230 3.4330 3.5440 3.9300 4.2260 4.4450 3 2.7090 3.0630 3.2140 3.3610 3.4260 3.8020 4.1640 4.3770 4 2.7560 3.0990 3.2810 3.3950 3.4870 3.9010 4.1740 4.2990 5 2.9460 3.0270 3.2560 3.4370 3.6150 3.9280 4.1970 4.3150 6 2.7530 2.9290 3.1460 3.2980 3.3670 3.7440 4.0820 4.2590 7 2.4930 2.6360 2.8930 3.0720 3.2000 3.5860 3.9260 4.1680 8 2.5100 2.6660 2.8730 3.0780 3.1760 3.5890 3.8970 4.1240 9 2.5150 2.6680 2.8780 3.1330 3.2360 3.5510 3.8980 4.1270
1 Siri hanya bermula pada tahun 1992. 1 Series started in 1992.Sumber: Fully Automated System for Issuing/Tendering (FAST) Source: Fully Automated System for Issuing/Tendering (FAST)
203 4 5 102
Tahun sebelumkematangan
Remaining yearsto maturity
2.5
1 15
58
2.6 Kadar Pertukaran Mata Wang: Ringgit MalaysiaExchange Rates: Malaysian Ringgit
Kadar Pertukaran Mata Wang: Ringgit Malaysia1
Exchange Rates: Malaysian Ringgit 1
SDR 2 USD GBP Euro 100 SF 100 HKD 100 JPY CNY SGD 100 IDR 100 THB SDR 2 USD GBP Euro 100 SF 100 HKD 100 JPY CNY SGD 100 IDR 100 THB
2014 5.0853 3.4950 5.4396 4.2513 353.53 45.058 2.9255 0.5637 2.6449 0.0281 10.627 4.9734 3.2729 5.3915 4.3489 357.95 42.205 3.0976 0.5313 2.5827 0.0276 10.07312015 5.9912 4.2920 6.3607 4.6918 434.19 55.374 3.5645 0.6610 3.0356 0.0311 11.922 5.4684 3.9055 5.9736 4.3343 405.58 50.379 3.2261 0.6210 2.8376 0.0291 11.3892
2014 9 4.8658 3.2715 5.3193 4.1527 344.06 42.145 2.9922 0.5323 2.5702 0.0269 10.1074 4.8327 3.2182 5.2491 4.1520 343.79 41.513 2.9977 0.5243 2.5469 0.0270 9.994310 4.8962 3.2835 5.2520 4.1385 343.23 42.340 3.0015 0.5374 2.5701 0.0272 10.1062 4.8602 3.2688 5.2585 4.1488 343.47 42.136 3.0293 0.5337 2.5663 0.0269 10.073611 5.0326 3.3685 5.2916 4.1929 348.83 43.448 2.8473 0.5481 2.5856 0.0276 10.2628 4.9138 3.3441 5.2796 4.1735 346.93 43.125 2.8805 0.5460 2.5810 0.0275 10.196912 5.0853 3.4950 5.4396 4.2513 353.53 45.058 2.9255 0.5637 2.6449 0.0281 10.6270 5.0738 3.4803 5.4405 4.2896 356.72 44.879 2.9155 0.5621 2.6456 0.0280 10.5744
2015 1 5.0162 3.6235 5.4617 4.1042 393.54 46.742 3.0701 0.5797 2.6814 0.0287 11.0743 5.0994 3.5835 5.4324 4.1696 380.91 46.218 3.0277 0.5762 2.6792 0.0285 10.94332 5.1046 3.6113 5.5741 4.0495 379.81 46.563 3.0274 0.5760 2.6618 0.0281 11.1544 5.0813 3.5926 5.5125 4.0831 384.65 46.326 3.0262 0.5747 2.6524 0.0282 11.03123 5.0841 3.7165 5.4935 4.0153 383.58 47.927 3.0903 0.5993 2.6997 0.0284 11.4231 5.1018 3.6809 5.5168 3.9879 375.61 47.448 3.0568 0.5899 2.6726 0.0282 11.28434 5.0479 3.5705 5.5071 3.9659 379.72 46.067 3.0016 0.5755 2.7001 0.0276 10.8625 5.0251 3.6356 5.4289 3.9233 377.92 46.905 3.0413 0.5862 2.6923 0.0281 11.18125 5.1066 3.6515 5.5988 4.0011 387.67 47.098 2.9511 0.5888 2.7095 0.0276 10.8289 5.0669 3.6036 5.5822 4.0215 386.69 46.484 2.9840 0.5809 2.6998 0.0274 10.75036 5.2585 3.7855 5.9527 4.2364 407.09 48.832 3.0946 0.6099 2.8096 0.0284 11.2045 5.2567 3.7391 5.8189 4.1931 401.19 48.230 3.0221 0.6025 2.7781 0.0281 11.08507 5.3584 3.8175 5.9595 4.1790 394.96 49.244 3.0805 0.6148 2.7808 0.0283 10.8668 5.3142 3.8011 5.9141 4.1846 398.89 49.035 3.0844 0.6122 2.7934 0.0284 11.07608 5.8342 4.2140 6.5047 4.7469 436.82 54.372 3.4842 0.6592 3.0064 0.0300 11.7742 5.7158 4.0601 6.3364 4.5226 419.41 52.369 3.2938 0.6401 2.9042 0.0295 11.46669 6.1898 4.4455 6.7412 5.0052 457.73 57.361 3.7084 0.6994 3.1191 0.0303 12.2230 6.0800 4.3117 6.6188 4.8463 443.93 55.633 3.5902 0.6770 3.0458 0.0299 11.969110 5.9961 4.3040 6.5927 4.7213 434.66 55.535 3.5619 0.6782 3.0700 0.0315 12.0933 5.9932 4.2681 6.5428 4.7899 440.31 55.071 3.5546 0.6720 3.0432 0.0310 11.946311 5.8152 4.2615 6.4052 4.5106 413.44 54.985 3.4721 0.6663 3.0162 0.0308 11.8771 5.9488 4.3086 6.5571 4.6324 427.47 55.591 3.5194 0.6764 3.0506 0.0315 12.044412 5.9912 4.2920 6.3607 4.6918 434.19 55.374 3.5645 0.6610 3.0356 0.0311 11.9222 5.9374 4.2811 6.4221 4.6568 430.04 55.233 3.5130 0.6636 3.0393 0.0309 11.8926
2016 1 5.7930 4.1475 5.9618 4.5336 409.06 53.224 3.4473 0.6306 2.9059 0.0300 11.5917 6.0002 4.3481 6.2693 4.7261 432.41 55.893 3.6805 0.6615 3.0323 0.0313 12.02002 5.7932 4.2195 5.8453 4.6094 423.01 54.259 3.7227 0.6444 2.9954 0.0315 11.8127 5.8351 4.1859 5.9879 4.6496 422.12 53.788 3.6588 0.6396 2.9792 0.0310 11.74943 5.4958 3.9220 5.6234 4.4377 406.07 50.580 3.4892 0.6064 2.9023 0.0295 11.1341 5.6739 4.0768 5.7969 4.5300 414.72 52.523 3.6083 0.6266 2.9655 0.0309 11.57144 5.5831 3.9045 5.7174 4.4449 404.97 50.335 3.6377 0.6030 2.9038 0.0296 11.1653 5.5031 3.9045 5.5837 4.4269 405.07 50.338 3.5620 0.6027 2.8904 0.0296 11.12265 5.8002 4.1195 6.0585 4.5937 415.36 53.030 3.7014 0.6258 2.9861 0.0302 11.5295 5.7238 4.0482 5.8826 4.5764 413.69 52.144 3.7154 0.6198 2.9535 0.0302 11.42826 5.5856 4.0225 5.3910 4.4664 410.00 51.846 3.9145 0.6054 2.9816 0.0305 11.4276 5.7419 4.0871 5.7922 4.5894 421.01 52.651 3.8771 0.6200 3.0140 0.0306 11.57437 5.6188 4.0535 5.3506 4.4959 414.43 52.264 3.9159 0.6094 3.0060 0.0310 11.6213 5.5900 4.0195 5.3004 4.4468 409.11 51.822 3.8522 0.6019 2.9754 0.0306 11.46988 5.6840 4.0495 5.2988 4.5245 413.02 52.210 3.9664 0.6064 2.9746 0.0305 11.7122 5.6381 4.0269 5.2794 4.5138 415.00 51.921 3.9787 0.6057 2.9901 0.0306 11.59659 5.7654 4.1455 5.3775 4.6500 429.05 53.456 4.0881 0.6215 3.0359 0.0319 11.9432 5.7507 4.1087 5.4034 4.6052 421.75 52.972 4.0315 0.6157 3.0233 0.0313 11.8336
1 Kadar dolar AS ialah kadar purata belian dan jualan antara bank-bank pada pukul 12.00 tengahari. Kadar bagi mata wang asing selain daripada 1. USD rates are the average of buying and selling interbank rates at noon. Rates for foreign currencies other than USD are cross rates derived from rates ofdolar AS adalah kadar siang yang diperolehi daripada kadar mata wang asing tersebut berbanding dolar AS dan kadar RM/dolar AS. Kadar such foreign currencies against the USD and the RM/USD. Daily exchange rates are available on the Central Banks's Internet web site.pertukaran mata wang asing harian boleh diperolehi melalui laman web Bank Negara Malaysia. 2. The daily SDR rates published on the BNM website are based on latest available US Dollar SDR rates and prevailing USD/MYR mid-rates. The US Dollar SDR
2 Kadar SDR harian yang diterbitkan di laman sesawang BNM adalah berdasarkan kadar SDR Dolar Amerika terkini dan kadar pertengahan USD/MYR semasa. rate is at a 1-day lag due to different time zones.Kadar SDR Dolar Amerika mempunyai lat masa 1 hari disebabkan oleh perbezaan zon waktu.
Nota: Data kadar pertukaran diperolehi daripada Bank Negara Malaysia. Bagi beberapa mata wang, data dari tempoh sebelum tahun 1999 diperoleh daripada Note: All exchange rate data are sourced from the internal BNM database. For some currencies, historical data (pre-1999) are sourced from Bloomberg.Bloomberg. Untuk maklumat lanjut, hubungi [emailprotected] For more infromation, contact [emailprotected]
RM bagi seunit / RM per unit of
Purata bagi tempoh / Average for period
RM bagi seunit / RM per unit of
2.6
Tempoh
Period Akhir tempoh / End of period
59
2.7 Jumlah Dana Diniagakan dalam Pasaran Wang Antara Bank Volume of Transactions in Interbank Money Market
Jumlah Dana Diniagakan dalam Pasaran Wang Antara Bank Volume of Transactions in Interbank Money Market
RM juta / RM Million
Semalaman Hujungminggu 1 minggu 1 bulan 2 bulan 3 bulan 6 bulan 1 tahun Lain-lain Jumlah kecil
SekuritiKerajaanMalaysia
BonKhazanah
BonCagamas
Bil Perben- daharaanMalaysia
Bil Bank Negara
Nota Caga-mas
InstrumenDeposit
Boleh-niaga
Penerima-an
Jurubank
Jumlahkecil
Overnight Weekend 1 week 1 month 2 months 3 months 6 months 1 year Others Sub-totalMalaysian
Governme-ntSecurities
Khaza-nahBonds
Caga-masBonds
MalaysianTreasury
Bills
BankNegara Bills
Caga-masNotes
NegotiableInstrumentof Deposit
Banker'sAcceptan-
ceSub-total Grand
total
2013 690,465.57 191,900.80 76,710.00 34,008.00 3,817.00 6,754.00 1,970.00 - 193,488.66 1,199,114.03 180,013.04 20.00 - 971.75 53,118.19 - 75,231.39 45,266.18 354,620.55 1,553,734.58
2014 667,959.15 190,479.52 84,462.00 39,550.00 3,923.00 7,168.00 95.00 - 132,005.04 1,125,641.71 119,023.42 - - 2,847.00 53,284.92 - 93,864.00 31,332.52 300,351.86 1,425,993.57
2015 607,387.77 168,219.55 100,224.00 16,282.00 7,805.00 6,501.00 44.00 - 129,281.71 1,035,745.03 174,724.78 - - 1,842.50 6,609.84 - 119,160.00 18,019.17 320,356.29 1,356,101.32
2014 7 53,780.80 15,686.15 6,643.00 2,447.00 - 20.00 - - 12,615.00 91,191.95 9,362.64 - - 85.67 1,686.33 - 7,860.00 2,725.84 21,720.48 112,912.43
8 61,485.66 16,686.15 8,675.00 2,445.00 220.00 1,270.00 85.00 - 11,519.00 102,385.81 12,813.65 - - 16.00 3,083.67 - 8,407.00 3,025.88 27,346.20 129,732.01
9 44,094.05 14,796.71 5,545.00 6,246.00 550.00 1,959.00 - - 11,850.00 85,040.76 7,056.63 - - 100.00 7,871.36 - 9,520.00 3,386.79 27,934.78 112,975.54
10 56,978.66 18,129.44 9,095.00 4,222.00 400.00 300.00 - - 6,769.04 95,894.14 10,749.50 - - 1,578.00 5,882.96 - 9,055.00 3,516.69 30,782.14 126,676.28
11 63,148.75 15,421.56 5,555.00 2,795.00 450.00 624.00 10.00 - 13,473.00 101,477.31 9,276.18 - - 79.00 6,306.08 - 12,120.00 1,890.27 29,671.53 131,148.84
12 66,860.48 15,870.62 7,830.00 4,025.00 263.00 400.00 - - 12,168.00 107,417.10 11,102.81 - - 64.00 10,341.75 - 9,950.00 467.52 31,926.08 139,343.18
2015 1 45,869.57 15,930.07 7,509.00 3,430.00 520.00 600.00 - - 10,837.00 84,695.64 22,620.25 - - 192.00 4,485.33 - 12,727.00 3,350.45 43,375.03 128,070.67
2 47,335.64 13,101.31 6,255.00 2,583.00 880.00 1,265.00 - - 15,632.70 87,052.65 13,402.23 - - 90.00 700.00 - 10,015.00 1,912.97 26,120.19 113,172.84
3 43,895.76 10,774.95 11,335.00 1,067.00 100.00 575.00 - - 6,691.00 74,438.71 19,068.34 - - 130.00 330.00 - 8,907.00 2,579.86 31,015.20 105,453.91
4 53,334.76 11,746.87 9,091.00 975.00 283.00 - - - 10,296.00 85,726.63 16,154.67 - - 162.50 450.00 - 11,482.00 4,448.83 32,698.00 118,424.63
5 43,285.88 13,214.56 7,343.00 800.00 895.00 300.00 10.00 - 9,092.60 74,941.04 7,310.27 - - 10.00 - - 9,111.00 2,017.07 18,448.34 93,389.38
6 55,916.80 11,888.36 7,416.00 1,770.00 757.00 1,222.00 - - 9,849.91 88,820.07 13,452.25 - - - - - 7,021.00 646.44 21,119.69 109,939.76
7 48,420.90 17,200.57 5,645.00 300.00 1,355.00 1,135.00 20.00 - 11,602.50 85,678.97 17,008.60 - - 200.00 - - 8,028.00 1,397.42 26,634.02 112,312.99
8 55,031.77 13,229.14 7,434.00 914.00 1,255.00 560.00 - - 9,873.00 88,296.91 15,048.45 - - 210.00 644.51 - 11,626.00 349.58 27,878.54 116,175.45
9 48,427.89 12,996.63 8,165.00 1,351.00 760.00 449.00 - - 8,981.20 81,130.72 13,784.26 - - 719.00 - - 5,673.00 232.54 20,408.80 101,539.52
10 60,324.52 19,404.64 9,736.00 1,120.00 300.00 170.00 - - 11,470.00 102,525.16 15,837.86 - - 129.00 - - 9,885.00 516.30 26,368.15 128,893.31
11 63,681.05 15,479.71 10,672.00 1,253.00 700.00 45.00 10.00 - 12,489.80 104,330.56 12,022.02 - - - - - 9,030.00 367.61 21,419.63 125,750.19
12 41,863.24 13,252.74 9,623.00 719.00 - 180.00 4.00 - 12,466.00 78,107.98 9,015.59 - - - - - 15,655.00 200.10 24,870.69 102,978.67
2016 1 39,957.67 8,787.31 7,256.00 1,598.00 918.00 720.00 50.00 - 11,273.00 70,559.98 18,833.94 - - 162.00 20.00 - 7,200.00 616.32 26,832.26 97,392.24
2 33,283.28 11,281.23 3,065.00 540.00 30.00 - - - 6,643.00 54,842.51 10,289.02 - - 300.00 - - 11,640.00 782.97 23,011.99 77,854.50
3 45,024.05 8,559.94 7,280.00 813.00 650.00 - - - 11,923.00 74,249.99 13,689.60 - - 463.24 2,521.94 - 8,520.00 1,068.53 26,263.31 100,513.31
4 44,364.87 13,068.32 5,950.00 415.00 95.00 240.00 - - 8,744.00 72,877.19 10,034.71 60.00 - 100.00 110.00 - 10,060.00 1,246.23 21,610.94 94,488.13
5 42,592.68 10,535.27 6,745.00 500.00 230.00 - 13.00 - 5,715.00 66,330.95 14,749.51 - - 230.00 50.00 - 11,300.00 985.42 27,314.93 93,645.88
6 37,440.92 9,694.60 7,232.00 2,110.00 60.00 940.00 - - 12,060.00 69,537.52 27,325.40 135.00 - 610.00 970.00 - 12,535.00 306.67 41,882.07 111,419.59
7 51,643.76 14,718.81 6,395.00 3,960.00 470.00 100.00 - - 7,584.74 84,872.31 13,346.48 10.00 - - - - 11,130.00 338.63 24,825.12 109,697.42
8 44,066.86 8,036.65 6,115.00 3,470.00 520.00 100.00 188.00 - 5,389.50 67,886.01 17,865.03 - - 550.00 1,193.32 - 11,700.00 1,613.37 32,921.72 100,807.73
9 42,769.63 15,020.86 4,441.00 1,910.00 1,150.00 50.00 120.00 - 8,615.00 74,076.49 12,335.39 10.00 - 70.00 405.00 - 12,310.00 863.95 25,994.34 100,070.83
Period
2.7Deposit Antara Bank Instrumen Pasaran Wang
Tempoh Jumlahbesar
Interbank Deposit Money Market Instrument
60
2.8 Jumlah Urus Niaga Antara Bank dalam Pasaran Pertukaran Asing Kuala LumpurVolume of Interbank Transactions in the Kuala Lumpur Foreign Exchange Market
Jumlah Urus Niaga Antara Bank dalam Pasaran Pertukaran Asing Kuala Lumpur1
Volume of Interbank Transactions in the Kuala Lumpur Foreign Exchange Market 1
RM juta/RM million
Spot2 Swap3 Jumlah Spot2 Swap3 Jumlah Spot2 Swap3 Jumlah Spot2 Swap3 Jumlah Spot2 Swap3 Jumlah Spot2 Swap3 Jumlah
Spot 2 Swap 3 Total Spot 2 Swap 3 Total Spot 2 Swap 3 Total Spot 2 Swap 3 Total Spot 2 Swap 3 Total Spot 2 Swap 3 Total
2013 969,135.8 1,206,043.8 2,175,179.6 9,110.6 3,198.1 12,308.9 7,520.6 609.0 8,129.7 5,378.3 903.2 6,281.5 13,886.7 4,711.9 18,598.6 27.0 0.0 27.02014 1,095,642.3 1,749,820.2 2,845,462.5 17,081.2 4,251.9 21,333.1 8,224.5 473.9 8,698.5 13,647.3 4,621.0 18,268.3 26,763.1 15,175.0 41,938.0 58.0 0.0 58.02015 1,060,423.9 1,871,742.0 2,932,165.9 23,376.4 4,193.2 27,569.6 6,436.4 466.2 6,902.6 9,890.0 7,571.6 17,461.5 24,344.6 3,557.8 27,902.5 38.7 0.0 38.7
2014 4 89,685.5 150,813.7 240,499.2 794.8 251.9 1,046.7 445.7 63.6 509.3 1,012.3 265.6 1,277.9 1,796.2 1,406.8 3,203.0 0.0 0.0 0.05 97,440.0 136,156.6 233,596.6 1,265.6 252.2 1,517.8 402.9 26.7 429.6 477.5 148.8 626.3 1,459.9 971.9 2,431.8 1.6 0.0 1.66 98,089.4 176,378.6 274,468.0 1,526.8 330.8 1,857.6 721.9 50.2 772.1 896.2 347.3 1,243.6 2,904.2 2,202.6 5,106.8 6.7 0.0 6.77 97,347.3 169,006.6 266,354.0 1,477.0 325.5 1,802.5 473.5 41.9 515.4 1,264.6 509.2 1,773.9 2,433.2 1,433.9 3,867.1 6.4 0.0 6.48 99,780.9 143,508.1 243,289.0 2,256.3 328.1 2,584.4 1,123.4 19.9 1,143.3 1,099.7 682.5 1,782.2 2,663.2 1,329.1 3,992.3 15.4 0.0 15.49 104,108.6 161,307.6 265,416.3 3,149.3 296.4 3,445.7 943.8 49.6 993.3 1,398.4 258.7 1,657.1 2,130.5 1,063.3 3,193.8 23.3 0.0 23.310 100,594.8 170,858.6 271,453.4 1,790.3 289.6 2,079.9 903.0 52.1 955.1 1,900.7 796.9 2,697.6 3,352.4 1,398.5 4,750.9 0.0 0.0 0.011 89,833.6 124,657.0 214,490.6 1,650.4 281.2 1,931.6 1,016.5 46.5 1,062.9 2,093.4 774.8 2,868.2 2,405.7 1,290.3 3,696.0 0.4 0.0 0.412 89,262.9 129,026.3 218,289.2 930.9 378.0 1,308.9 609.2 80.1 689.3 871.0 196.1 1,067.1 2,236.6 1,161.0 3,397.6 0.0 0.0 0.0
2015 1 115 271 6 126 358 8 241 630 4 1 654 1 254 3 1 908 4 721 7 1 1 722 7 1 659 8 542 4 2 202 2 2 564 0 955 2 3 519 2 12 8 0 0 12 8
USD/CHFTempoh USD/JPY
2.8
Period
USD/RM USD/SGD GBP/USD EUR/USD4
2015 1 115,271.6 126,358.8 241,630.4 1,654.1 254.3 1,908.4 721.7 1.1 722.7 1,659.8 542.4 2,202.2 2,564.0 955.2 3,519.2 12.8 0.0 12.82 83,448.2 86,549.0 169,997.1 1,379.4 309.3 1,688.8 736.9 3.9 740.8 1,066.2 362.6 1,428.9 1,222.8 475.3 1,698.1 0.4 0.0 0.43 140,124.8 143,336.0 283,460.8 1,062.8 618.7 1,681.5 680.5 10.8 691.3 1,501.0 538.1 2,039.1 1,640.3 422.1 2,062.4 0.0 0.0 0.04 146,353.1 135,753.1 282,106.2 1,910.7 300.1 2,210.9 206.4 38.0 244.5 680.9 1,854.9 2,535.9 1,604.6 513.0 2,117.6 0.0 0.0 0.05 112,874.4 116,238.1 229,112.6 1,060.4 363.7 1,424.1 261.7 9.0 270.8 765.5 1,329.5 2,095.0 1,922.9 107.0 2,029.9 0.0 0.0 0.06 115,582.8 163,111.6 278,694.4 2,215.5 431.8 2,647.3 467.0 135.6 602.5 597.0 758.8 1,355.9 1,526.5 131.9 1,658.4 0.0 0.0 0.07 82,156.8 181,064.4 263,221.1 2,717.1 189.1 2,906.2 234.4 82.4 316.7 537.7 641.7 1,179.4 1,224.7 107.8 1,332.5 1.6 0.0 1.68 61,957.6 174,118.2 236,075.8 2,191.1 456.9 2,648.0 371.9 37.4 409.3 641.9 349.5 991.4 2,234.2 124.4 2,358.5 17.1 0.0 17.19 60,331.8 221,888.1 282,219.9 2,201.5 326.1 2,527.6 633.5 1.7 635.2 574.0 281.9 855.9 2,462.7 152.0 2,614.7 0.1 0.0 0.110 59,234.4 178,777.3 238,011.6 2,615.4 310.2 2,925.6 576.0 122.9 698.9 478.4 577.1 1,055.5 2,055.0 226.4 2,281.3 0.0 0.0 0.011 40,888.6 173,487.1 214,375.7 2,322.0 346.9 2,669.0 625.9 7.1 632.9 345.2 196.1 541.3 2,612.1 77.3 2,689.4 3.2 0.0 3.212 42,199.8 171,060.4 213,260.2 2,046.3 286.0 2,332.3 920.5 16.4 937.0 1,042.2 139.0 1,181.1 3,275.0 265.5 3,540.5 3.4 0.0 3.4
2016 1 61,999.2 180,782.6 242,781.9 2,570.8 527.3 3,098.1 890.7 24.7 915.4 812.5 277.2 1,089.7 2,002.3 52.0 2,054.3 1.1 0.0 1.12 48,577.7 132,120.8 180,698.5 1,716.0 622.1 2,338.1 1,117.5 468.1 1,585.6 764.9 74.7 839.7 2,259.0 69.7 2,328.6 0.2 0.0 0.23 61,250.3 149,271.0 210,521.3 2,769.7 374.4 3,144.1 1,400.2 659.6 2,059.8 1,188.4 90.2 1,278.6 1,621.4 98.7 1,720.2 6.6 0.0 6.64 53,133.2 139,758.8 192,892.0 2,435.0 3,193.1 5,628.1 925.4 678.2 1,603.6 1,005.9 433.5 1,439.4 1,380.2 120.5 1,500.7 2.1 0.1 2.25 45,314.9 149,298.8 194,613.6 2,086.5 1,906.7 3,993.2 1,314.6 375.4 1,690.0 1,267.7 274.6 1,542.3 1,898.7 323.1 2,221.8 0.2 0.5 0.86 55,548.9 169,280.6 224,829.5 2,198.6 2,051.1 4,249.7 1,126.2 464.3 1,590.5 632.2 158.3 790.5 1,932.2 175.2 2,107.4 10.0 0.5 10.57 39,192.7 155,970.1 195,162.8 1,504.3 1,958.9 3,463.2 893.6 80.1 973.7 639.7 468.9 1,108.6 1,596.9 107.2 1,704.1 4.1 0.0 4.18 37,948.0 163,964.8 201,912.8 1,560.8 2,544.4 4,105.2 707.5 78.9 786.3 858.2 134.5 992.7 1,739.2 210.2 1,949.4 0.0 0.0 0.09 38,981.3 182,982.4 221,963.7 2,813.2 1,470.0 4,283.2 982.0 61.6 1,043.6 934.6 75.2 1,009.8 2,151.0 50.7 2,201.7 3.2 1.3 4.4
1 Urus niaga adalah dalam RM juta berasaskan pada kadar pertengahan USD/RM pada tengahari.2 Merujuk kepada urus niaga yang diselesaikan dalam masa dua hari perniagaan atau kurang selepas penutupan urus janji.3 Merujuk kepada swap pertukaran wang asing yang melibatkan pelaksanaan kontrak spot and kontrak ke hadapan yang bertentangan.4 Berkuatkuasa Januari 1999, urusniaga dalam USD/DEM telah digantikan dengan EUR/USD. 5 Sumber:
Data 1993 - 2004 bagi transaksi dalam pasaran spot dan swap diperolehi daripada broker. Data 2005 seterusnya bagi transaksi dalam pasaran spot dan swap diperolehi daripada ROMS.
1 Volume is expressed in RM million based on the middle rate of USD/YRM at noon. 2 Refers to transaction settled within two business days or less after the conclusion of deal.3 Refers to foreign exchange swap which involves a spot plus a reversing forward transaction.4 Effective January 1999, trade in USD/DEM was replaced by EUR/USD.5 Source:
Data of 1993 - 2004 for transactions in the spot and swap markets are obtained from brokers. Data of 2005 onwards for transactions in the spot and swap markets are obtained from ROMS.
61
2.9 Dana yang Diperoleh Daripada Pasaran Modal (oleh Sektor Awam) Funds Raised in the Capital Market (by Public Sector)
Dana yang Diperoleh Daripada Pasaran Modal (oleh Sektor Awam)Funds Raised in the Capital Market (by Public Sector)
RM juta / RM million
Sekuriti Kerajaan Malaysia (SKM)
LanggananPendahuluan SKM Bon Khazanah Terbitan Pelaburan
Kerajaan Bon SimpananSukuk
Perumahan Kerajaan 1
Terbitan Baru Sekuriti Hutang SKM Bon Khazanah
Terbitan Pelaburan Kerajaan
Bon Simpanan
Malaysian Government
Securities (MGS)
MGS Advanced Subscriptions
Khazanah Bonds (KB)
Government Investment Issues
(GII)
Savings Bonds
Government Housing Sukuk 1
New Issues of Debt Securities MGS KB GII Savings Bonds
Less: Government
Holdings
Net Funds Raised by the Public Sector
2013 51,424 - - 41,027 - 4,400 96,851 38,575 - 12,000 2,399 - 43,877 2014 51,417 - - 33,919 - 11,500 96,836 26,443 - 20,500 - - 49,894 2015 51,332 - - 41,056 - 8,000 100,389 41,069 - 12,500 - - 46,819 2014 2 2,493 - - 2,976 - 4,000 9,470 - - 3,500 - - 5,970
3 8,000 - - 2,579 - - 10,579 - - - - - 10,579 4 4,000 - - 1,589 - 2,600 8,189 16,043 - - - - -7,853 5 4,896 - - 4,000 - - 8,896 - - - - - 8,896 6 3,020 - - 4,460 - - 7,480 - - - - - 7,480 7 3,015 - - 1,596 - - 4,611 - - 4,500 - - 111 8 3,606 - - 3,108 - 1,500 8,214 8,400 - - - - -186 9 5,658 - - 3,517 - - 9,175 - - 7,000 - - 2,175
10 2,605 - - 3,557 - 3,400 9,562 2,000 - - - - 7,562 11 7,140 - - - - - 7,140 - - - - - 7,140
Period
Dana Bersih yang Diperoleh oleh Sektor Awam
2.9Sekuriti Hutang / Debt Securities Tolak / Less : Penebusan / Redemptions
Tolak : Milikan KerajaanTempoh
11 7,140 7,140 7,14012 2,985 - - 3,072 - - 6,057 - - 5,500 - - 557
2015 1 5,479 - - 4,000 - - 9,480 - - - - - 9,480 2 - - - 4,000 - 4,000 8,000 11,797 - - - - -3,797 3 8,000 - - 1,500 - - 9,500 - - 2,000 - - 7,500 4 4,000 - - 4,000 - 3,500 11,500 - - - - - 11,500 5 2,000 - - 7,098 - - 9,098 - - - - - 9,098 6 6,491 - - 3,046 - - 9,537 - - - - - 9,537 7 2,093 - - 3,510 - - 5,604 - - 7,000 - - -1,396 8 6,436 - - - - 500 6,936 10,000 - - - - -3,064 9 5,980 - - 3,018 - - 8,999 11,035 - 3,500 - - -5,536
10 3,448 - - 4,490 - - 7,939 8,238 - - - - -299 11 3,421 - - 3,498 - - 6,919 - - - - - 6,919 12 3,982 - - 2,895 - - 6,877 - - - - - 6,877
2016 1 3,081 - - 6,059 - - 9,141 - - - - - 9,141 2 4,000 - - 3,500 - - 7,500 - - 7,000 - - 500 3 5,035 - - 4,000 - - 9,035 - - - - - 9,035 4 5,566 - - 3,639 - - 9,205 - - - - - 9,205 5 8,000 - - 2,465 - - 10,465 2,172 - - - - 8,293 6 2,585 - - 3,536 - - 6,121 - - - - - 6,121 7 2,610 - - 3,608 - - 6,219 11,210 - 4,000 - - -8,992 8 6,228 - - 3,075 - - 9,303 - - - - - 9,303 9 3,084 - - 2,185 - - 5,269 12,759 - - - - -7,490
1 Siri hanya bermula dari Julai 2012. 1 Series started from July 2012.
Sumber: Fully Automated System for Issuing/Tendering (FAST) Source: Fully Automated System for Issuing/Tendering (FAST)
62
2.10 Dana yang Diperoleh Daripada Pasaran Modal (oleh Sektor Swasta) Funds Raised in the Capital Market (by Private Sector)
Dana yang Diperoleh Daripada Pasaran Modal (oleh Sektor Swasta)Funds Raised in the Capital Market (by Private Sector)
RM juta / RM million
Tawaran Awam
Permulaan
Terbitan Hak
Penempatan Persendirian /
Tawaran Jualan Secara
Terhad
Terbitan Khas Bon Biasa
BondenganWaran
Bon Boleh Tukar
Bonberasas-
kan Prinsip Islam
Bon yang disokong
Aset
Nota Jangka
Pertenga-han
BonCagamas
Terbitan Baru Bon Korporat dan/atau Sukuk
Bon Korporat dan/atau Sukuk
BonCagamas
Initial Public Offers
Rights Issues
Private Placement / Restricted
Offer-for-Sale
Special Issues
Preference Shares Warrants
New Issues of
Shares/War-rants
Straight Bonds
Bonds with War-
rants
Conver-tible
Bonds
Islamic Bonds
Asset Backed Bonds
Medium Term
Notes 3
Cagamas Bonds
New Issues of Corporate
Bondand/or Sukuk
Corporate Bond and/or
Sukuk
Cagamas Bonds
Net Issues of
Corporate Bondand/or Sukuk
Net Funds Raised by the Private Sector
2013 8,211 7,803 - - - 13 16,027 3,182 - - 7,879 - 72,804 - 83,865 61,625 - 22,240 38,2672014 5,904 13,253 - - - 6 19,163 7,575 - 180 8,768 - 68,979 - 85,502 54,469 - 31,033 50,1962015 4,350 13,552 - - - 17 17,919 13,362 - - 2,996 - 69,281 - 85,639 40,764 - 44,875 62,7942014 10 - 124 - - - - 124 50 - - - - 4,006 - 4,056 2,616 - 1,439 1,563
11 73 415 - - - - 489 167 - 35 100 - 6,929 - 7,231 3,960 - 3,271 3,760
Terbitan Bersih Bon Korporat dan/atau Sukuk
Dana Bersih yang
Diperoleh oleh Sektor Swasta
Period
Waran Terbitan Saham
Baru/Waran
Bon Korporat dan/atau Sukuk / Corporate Bond and/or Sukuk 2Tolak / Less :Penebusan / Redemptions
2.10
Tempoh
Saham Biasa / Ordinary Shares 1
Saham Terpilih
12 151 194 - - - - 345 1,049 - - 1,291 - 7,955 - 10,295 4,801 - 5,494 5,839
2015 1 - 1,199 - - - - 1,199 - - - - - 1,965 - 1,965 2,286 - -322 8772 - 1,359 - - - - 1,359 - - - 125 - 1,141 - 1,266 1,656 - -390 9683 - 2,128 - - - - 2,128 497 - - 1,740 - 5,971 - 8,209 3,882 - 4,327 6,4554 20 254 - - - - 274 303 - - 400 - 7,665 - 8,369 7,072 - 1,296 1,5715 2,739 20 - - - - 2,759 1,000 - - 50 - 7,392 - 8,442 4,365 - 4,076 6,8356 89 159 - - - - 248 - - - 206 - 3,493 - 3,699 3,237 - 462 7107 792 774 - - - - 1,567 1,000 - - - - 1,588 - 2,588 2,117 - 471 2,0388 - 239 - - - - 239 - - - 75 - 6,362 - 6,437 2,210 - 4,226 4,4669 289 376 - - - - 665 100 - - - - 4,016 - 4,116 3,843 - 273 938
10 - 133 - - - - 133 3,300 - - - - 6,297 - 9,597 1,499 - 8,098 8,23011 21 1,162 - - - - 1,184 - - - - - 7,042 - 7,042 1,852 - 5,190 6,37412 400 5,748 - - - 17 6,164 7,161 - - 400 - 16,350 - 23,911 6,744 - 17,167 23,332
2016 1 - 67 - - - - 67 - - - - - 2,099 - 2,099 4,122 - -2,023 -1,9562 - 359 - - - 100 459 - - 84 1,000 - 9,998 - 11,082 3,700 - 7,383 7,8423 172 390 - - - - 562 - - - 1,500 - 3,680 - 5,180 4,916 - 264 8264 129 - - - - - 129 150 - - - - 5,897 - 6,047 4,601 - 1,446 1,5755 103 - - - - - 103 2,000 - - - - 6,036 - 8,036 4,617 - 3,419 3,5226 - 1,823 - - - - 1,823 1,000 - - - - 5,034 - 6,034 3,174 - 2,860 4,6827 30 3,045 - - - - 3,075 570 - - 1 - 7,948 - 8,519 3,180 - 5,339 8,4158 48 39 - - - - 87 1,350 - - 70 - 11,380 - 12,800 5,310 - 7,490 7,5779 - - - - - - - - - - 10 - 6,243 - 6,253 1,533 - 4,720 4,720
1 Tidak termasuk dana yang diperoleh melalui penggunaan Skim Opsyen Saham Pekerja, Hak Langganan Boleh Pindah,Waran dan Stok Pinjaman Tidak Bercagar Boleh Tukar Tidak Boleh Tebus.
2 Tidak termasuk kertas pelaburan jangka pendek mengikut prinsip konvensional dan Islam.3 Bermula dari Januari 2004.Sumber: Bank Negara Malaysia, Bursa Malaysia dan anggaran Bank Negara Malaysia
1 Excludes funds raised by the exercise of Employee Share Options Scheme, Transferable Subscription Rights,Warrants and Irredeemable Convertible Unsecured Loan Stocks.
2 Excludes short-term papers in conventional and Islamic principles.3 Beginning from January 2004.Source: Bank Negara Malaysia, Bursa Malaysia and Bank Negara Malaysia estimates
63
2.11 Terbitan Baru Sekuriti Hutang Swasta1 (kecuali Bon Cagamas) mengikut SektorNew Issues of Private Debt Securities1 (excluding Cagamas Bonds) by Sectors
Terbitan Baru Bon Korporat dan/atau Sukuk1 (kecuali Bon Cagamas) mengikut Sektor2
New Issues of Corporate Bond and/or Sukuk 1 (excluding Cagamas Bonds) by Sector 2
RM juta / RM million
Pertanian, Perhutanan dan Perikanan Pembinaan Elektrik, Gas dan Air Kewangan, Insurans, Harta Tanah
dan Perkhidmatan Perniagaan Perkhidmatan
Kerajaan dan Lain-lain Perkilangan Perlombongan danKuari
Pengangkutan, Penyimpanan dan
Perhubungan
Perdagangan Borong dan Runcit, Hotel dan
Restoran Jumlah
Agriculture, Foresty and Fishing Construction Electricity, Gas and
Water Finance, Insurance, Real Estate
and Business Services Government and
Other Services Manufacturing Mining and Quarrying
Transport, Storage and Communications
Wholesale, Retail Trade, Hotels and
Restaurants Total
2013 1,279 7,629 10,927 48,389 5,581 1,378 - 8,573 109 83,8652014 465 13,366 5,333 50,391 11,094 2,144 12 2,229 467 85,5022015 1,265 4,181 13,660 55,606 6,359 1,515 - 2,850 204 85,639
2015 1 3 - - 1,962 - - - - - 1,965
2 53 - - 373 710 130 - - - 1,266
3 20 300 - 7,789 - - - - 100 8,209
4 - 622 130 7,504 - 100 - - 12 8,369
2.11
Tempoh
Period
5 - 644 - 5,680 2,000 50 - - 68 8,442
6 - 228 600 1,721 - - - 1,140 10 3,699
7 21 2 - 2,565 - - - - - 2,588
8 1,132 1,000 1,500 2,630 100 75 - - - 6,437
9 2 - 2,450 883 50 - - 727 4 4,116
10 21 - - 8,076 1,500 - - - - 9,597
11 7 1,200 - 5,246 - 280 - 300 10 7,042
12 7 184 8,980 11,177 1,999 880 - 683 - 23,911
2016 1 29 1,000 176 794 100 - - - - 2,099
2 3 - 1,834 8,816 30 400 - - - 11,082
3 2 - - 978 2,400 - - 1,800 - 5,180
4 534 1,827 1,500 2,096 - - - - 91 6,047
5 - 500 - 7,347 100 30 - - 60 8,036
6 485 - 1,450 2,849 1,250 - - - - 6,034
7 36 1 - 1,242 6,300 100 - 840 - 8,519
8 23 3,600 5,540 3,467 100 70 - - - 12,800
9 - - 20 5,338 400 - - 495 - 6,253
1 Tidak termasuk kertas pelaburan jangka pendek mengikut prinsip konvensional dan Islam.2 Merujuk kepada sektor penerbit.Sumber: Bank Negara Malaysia
1 Exludes short-term papers in conventional and Islamic principles.2 Refers to issuer sector.Source: Bank Negara Malaysia
64
Bursa Malaysia Securities Berhad: Penunjuk Terpilih Bursa Malaysia Securities Berhad: Selected Indicators 2.12 Bursa Malaysia Securities Berhad: Penunjuk TerpilihBursa Malaysia Securities Berhad: Selected Indicators
Komposit EMAS Papan Kedua FBM EMAS FTSE Papan
Kedua Papan Utama Papan Kedua
Pasaran Utama
Pasaran ACE Jumlah1 Purata
HarianPapan Utama
Papan Kedua
Pasaran Utama
Pasaran ACE Jumlah1 Purata
Harian
Composite EMAS Second Board FBM EMAS
FTSE Second Board
Main Board Second Board Main Market ACE Market Total 1 Daily
Average Main Board Second Board Main Market ACE
Market Total 1 Daily Average
No of Listed
Companies
Market Capitalisatio
n (RM billion)
Net P/E Ratio (Composite
Index)
2013 1,866.96 - - 12,853.63 - - - 286,473.50 66,678.60 364,759.69 1,567.31 - - 458,514.91 12,762.73 473,078.20 2,157.19 911 1,702.15 17.012014 1,761.25 - - 12,066.28 - - - 380,374.28 112,407.39 509,741.35 2,157.13 - - 475,312.35 26,407.90 504,991.17 2,161.80 906 1,651.17 15.042015 1,692.51 - - 11,793.65 - - - 285,510.35 135,986.10 483,666.06 1,967.74 - - 443,414.93 31,449.02 489,782.19 1,996.10 903 1,695.17 16.60
2015 1 1,781.26 - - 12,271.94 - - - 25,770.69 9,834.23 38,967.89 1,855.61 - - 39,914.10 2,461.63 43,573.81 2,074.94 905 1,687.84 15.242 1,821.21 - - 12,557.38 - - - 19,810.23 10,249.60 31,488.93 1,968.06 - - 31,078.57 2,099.23 33,494.24 2,093.39 904 1,733.14 15.893 1,830.78 - - 12,563.38 - - - 27,331.13 20,452.94 50,136.72 2,278.94 - - 41,263.41 3,947.47 45,702.85 2,077.40 903 1,737.52 16.094 1,818.27 - - 12,539.04 - - - 27,716.35 19,412.82 48,784.94 2,217.50 - - 39,369.48 4,451.62 44,118.49 2,005.39 903 1,738.53 16.005 1,747.52 - - 12,097.37 - - - 20,390.40 11,426.61 34,315.49 1,806.08 - - 34,540.63 2,864.95 38,155.36 2,008.18 903 1,694.81 15.756 1,706.64 - - 11,771.94 - - - 20,870.18 8,355.07 32,922.91 1,496.50 - - 34,749.18 2,449.72 38,280.93 1,740.04 905 1,659.02 15.52
Period
Urus Niaga (RM juta) Jumlah Syarikat
yang Disenarai-
kan
Nilai Pasaran
(RM bilion)
Nisbah Bersih P/E (Indeks Komposit)
Turnover (RM million)
2.12
Tempoh
Indeks Urus Niaga (juta unit)Indices Turnover (million units)
7 1,723.14 - - 11,894.13 - - - 21,895.09 6,859.38 36,080.61 1,640.03 - - 33,331.05 1,771.71 37,475.20 1,703.42 906 1,680.90 15.688 1,612.74 - - 10,976.04 - - - 21,835.16 6,536.44 39,180.61 1,959.03 - - 36,450.50 1,327.26 40,663.78 2,033.19 906 1,555.89 15.479 1,621.04 - - 11,201.63 - - - 21,322.52 7,000.65 38,623.26 1,931.16 - - 37,234.05 1,950.04 41,684.20 2,084.21 904 1,597.35 15.5810 1,665.71 - - 11,573.90 - - - 25,426.24 11,323.56 46,069.11 2,193.77 - - 41,801.65 2,469.71 45,836.59 2,182.69 904 1,653.75 16.1211 1,672.16 - - 11,625.97 - - - 29,822.95 14,773.15 49,874.49 2,493.72 - - 39,111.03 3,347.11 43,223.36 2,161.17 902 1,668.89 16.3712 1,692.51 - - 11,793.65 - - - 23,319.41 9,761.66 37,221.10 1,772.43 - - 34,571.28 2,308.58 37,573.37 1,789.21 903 1,695.17 16.60
2016 1 1,667.80 - - 11,567.65 - - - 24,600.11 7,893.05 39,450.85 2,076.36 - - 36,245.97 1,835.32 39,487.14 2,078.27 903 1,660.62 16.252 1,654.75 - - 11,501.97 - - - 19,355.72 5,619.13 28,535.28 1,585.29 - - 30,283.31 1,007.29 31,987.91 1,777.11 902 1,650.14 16.243 1,717.58 - - 11,920.78 - - - 29,633.89 6,402.35 41,190.77 1,790.90 - - 45,413.09 1,116.81 47,379.57 2,059.98 904 1,707.44 17.164 1,672.72 - - 11,638.02 - - - 25,244.75 6,132.49 35,799.98 1,704.76 - - 37,702.80 1,232.91 39,479.33 1,879.97 903 1,672.73 17.085 1,626.00 - - 11,390.69 - - - 23,752.09 9,487.74 36,382.57 1,732.50 - - 40,667.56 1,887.15 43,017.02 2,048.43 905 1,641.01 16.806 1,654.08 - - 11,530.21 - - - 19,502.88 7,137.85 31,598.17 1,504.67 - - 31,440.61 1,320.40 33,577.24 1,598.92 905 1,660.34 17.067 1,653.26 - - 11,585.11 - - - 20,492.30 5,438.05 29,773.89 1,567.05 - - 29,329.14 1,049.57 31,007.98 1,632.00 905 1,673.85 17.078 1,678.06 - - 11,783.40 - - - 27,676.35 7,432.78 46,643.05 2,120.14 - - 37,003.74 1,456.48 39,883.64 1,812.89 905 1,694.42 17.289 1,652.55 - - 11,687.58 - - - 20,042.40 5,668.15 31,771.94 1,588.60 - - 33,408.05 791.45 35,280.04 1,764.00 905 1,686.16 17.01
1 Includes turnover of call warrants (since 1995) and MESDAQ (since March 2002). Daily BMSB data are available on the Central Bank's Internet Web site (since 1997). From 3 August 2009, FTSE SB was merged with the Main board. While Main and Second Board was merged with Main Market.
Source: Bursa Malaysia Securities Berhad (BMSB).
1 Termasuk urusniaga waran panggilan (sejak 1995) dan MESDAQ (sejak Mac 2002). Data harian BMSB boleh diperolehi melalui Halaman Internet Bank Negara Malaysia (sejak 1997). Mulai 3 Ogos 2009, FTSE Papan Kedua bergabung dengan Papan Utama. sem*ntara itu, Papan Utama dan Kedua bergabung menjadi Pasaran Utama.
Sumber: Bursa Malaysia Securities Berhad (BMSB).
65
2.13 Pasaran Hadapan dan Opsyen: Penunjuk TerpilihFutures and Options Markets: Selected Indicators
Pasaran Hadapan dan Opsyen: Penunjuk TerpilihFutures and Options Markets: Selected Indicators
Jumlah Urus Niaga Purata Urus Niaga Harian Bukaan Jumlah Urus Niaga Purata Urus Niaga Harian BukaanTotal Turnover Average Daily Turnover Open Interest Total Turnover Average Daily Turnover Open Interest
2013 2,683,620 10,884 34,517 16,791 68 6,9302014 2,178,421 8,857 26,597 13,150 54 3,2612015 3,028,673 12,323 36,216 1,271 5 863
2014 1 208,767 10,988 30,859 640 34 3,8952 172,922 9,101 30,999 0 0 3,8953 201,510 9,596 29,891 790 38 2,9804 176,463 8,021 30,416 300 14 3,0805 163,667 8,183 27,305 6,440 322 7,240 6 159,238 7,583 29,832 1,500 71 2,380 7 150,339 7,517 25,944 820 41 3,0808 169,955 8,093 25,577 900 43 3,1109 165,136 8,257 19,678 1,030 52 2,660
10 196,700 9,367 22,223 10 0 2,67011 170,746 8,537 20,855 600 30 2,97012 242,978 11,044 25,582 120 5 1,170
2015 1 240,582 11,456 32,452 250 12 1,3202 158,650 9,916 32,563 200 13 1,4503 226,027 10,274 31,786 26 1 9124 196,931 8,951 28,631 25 1 9225 203,763 10,724 26,987 20 1 9026 247,772 11,262 34,767 140 6 9447 264,309 12,014 41,832 20 1 9648 389,966 19,498 47,223 390 20 1,1149 350,431 17,522 43,501 70 4 620
10 283,641 13,507 38,487 30 1 59011 222,683 11,134 38,484 100 5 50012 243,918 11,615 37,880 0 0 120
2016 1 306,654 16,140 42,470 0 0 1202 222,193 12,344 29,879 0 0 1203 259,500 11,283 31,656 0 0 0 4 212,826 10,135 31,525 0 0 0 5 250,716 11,939 34,153 0 0 0 6 235,177 11,199 33,500 0 0 0 7 186,782 9,831 35,142 0 0 0 8 206,490 9,386 37,612 0 0 0 9 221,474 11,074 36,176 20 1 20
1 Revised data beginning May 2012 which includes KLSE futures and options. �
Sumber: Bursa Malaysia Derivatives Berhad. Source: Bursa Malaysia Derivatives Berhad.
1 Mulai Mei 2012, data telah disemak semula yang merangkumi Niaga hadapan dan Opsyen KLSE.
2.13Tempoh
Niaga Hadapan dan Opsyen KLSE CI/KLSE CI Futures and Options Niaga Hadapan KLIBOR/KLIBOR Futures
DuringBil Kontrak / No. of Contracts
66
2.14 Pusing Ganti dalam Pasaran Wang Konvensional dan Islam1
Turnover of Conventional and Islamic Money Market1
Pusing Ganti dalam Pasaran Wang Konvensional dan Islam1
Turnover of Conventional and Islamic Money Market 1
bersamaan RM juta / RM million equivalent
Antara Bank5 Korporat Antara Bank Korporat Antara Bank Korporat Antara Bank5 Korporat Antara Bank5 Korporat Antara Bank5 Korporat Antara Bank5 Korporat Antara Bank Korporat Antara Bank Korporat
Interbank 5 Corporate Interbank Corporate Interbank Corporate Interbank 5 Corporate Interbank 5 Corporate Interbank 5 Corporate Interbank 5 Corporate Interbank Corporate Interbank Corporate
2014 1 363,074.2 589,326.0 7,197.5 227.1 19,638.1 3,126.2 90,500.4 139,167.7 9,729.0 1,168.0 1,290.0 100,104.8 2,415.0 18,755.1 0.0 1,438.0 5,119.3 1,417.1 2 324,796.9 602,390.1 5,883.4 238.5 21,310.0 3,156.2 97,938.4 131,078.2 9,868.4 1,496.0 570.0 104,644.6 2,118.5 16,662.0 0.0 1,277.0 6,852.5 949.2 3 324,042.1 613,235.7 4,692.9 175.2 32,054.5 2,854.4 101,257.7 138,658.1 10,886.2 3,455.5 700.0 108,748.9 4,003.5 12,458.6 0.0 1,309.0 7,216.1 1,179.4 4 357,135.4 650,838.6 3,069.6 249.5 20,416.0 4,296.5 104,553.2 147,095.9 6,257.0 6,038.3 730.0 111,779.0 7,666.9 11,791.9 0.0 1,934.0 6,594.4 1,100.6 5 340,319.2 509,983.0 5,271.2 185.4 30,102.7 3,580.1 100,378.4 130,942.5 9,655.4 7,953.7 2,480.0 107,607.3 3,703.0 17,578.9 0.0 1,591.0 11,947.0 503.4 6 400,899.7 606,337.6 7,403.1 149.2 19,163.0 2,383.7 116,747.2 131,924.0 7,617.6 17,719.2 1,632.0 102,520.5 6,288.4 15,585.3 0.0 1,086.0 7,612.5 357.2 7 379,167.6 547,244.9 5,741.6 191.1 19,270.0 5,177.1 98,438.0 122,672.3 11,259.0 31,285.8 300.0 84,122.7 18,653.2 16,359.0 0.0 1,820.0 7,984.1 1,363.4 8 397,536.1 568,311.8 6,346.4 127.2 20,277.7 4,556.3 121,851.4 134,125.2 10,152.2 36,040.9 359.0 78,726.3 5,899.2 16,475.4 0.0 1,426.0 10,639.0 1,591.49 360,291.2 579,577.6 6,901.4 231.8 23,193.0 3,470.3 112,341.6 122,537.9 8,156.5 53,569.6 642.5 72,783.3 22,344.2 14,899.5 0.0 1,272.0 9,361.0 1,485.7
10 369,472.4 610,875.9 7,082.0 96.4 22,673.0 3,607.7 109,062.4 112,417.5 11,826.7 50,255.4 1,876.4 83,714.8 18,801.0 26,156.3 0.0 1,492.0 11,058.0 2,470.111 330,851.8 561,847.4 4,027.2 126.6 30,178.0 3,399.8 108,415.9 78,010.6 10,670.1 90,799.9 711.4 79,624.0 22,695.8 21,615.8 0.0 0.0 10,405.0 1,456.612 413,670.2 639,415.5 927.4 112.3 23,453.7 7,213.3 123,421.6 88,362.9 12,025.5 114,588.9 1,890.0 94,144.3 43,525.7 27,317.1 0.0 1,542.0 8,415.0 794.2
2015 1 327,056.2 630,842.9 6,816.0 156.1 29,501.6 3,700.8 110,078.4 91,995.9 11,410.7 105,648.5 900.0 92,579.4 26,260.4 25,954.1 0.0 1,398.0 7,651.0 1,850.02 293,457.9 469,819.6 4,378.8 88.0 25,907.2 2,959.5 108,986.2 68,850.7 11,588.3 90,174.3 1,400.0 68,003.7 22,992.5 20,322.0 0.0 1,059.0 10,631.0 2,139.83 377,472.8 639,676.1 4,965.1 119.8 23,874.1 2,399.9 139,356.0 66,176.5 13,674.0 138,126.2 3,062.0 82,508.4 29,064.1 27,295.3 0.0 1,369.0 12,014.0 1,456.04 323,706.4 633,149.9 7,753.0 129.6 29,357.4 1,246.0 141,927.8 49,044.8 11,061.2 155,439.1 320.0 79,065.6 30,201.2 17,916.3 61.9 1,464.0 9,834.0 1,098.05 314,261.2 530,012.7 5,414.8 93.7 22,012.0 1,530.7 118,647.7 29,305.8 10,507.7 167,357.4 0.0 70,851.4 15,244.7 14,821.3 0.0 1,138.0 10,316.0 131.06 329,423.1 595,105.9 1,528.6 106.5 19,118.1 1,214.6 166,317.7 15,764.9 12,635.2 201,156.0 1,440.0 3,766.0 18,748.8 18,056.6 0.0 1,329.0 9,734.0 380.07 318,983.4 581,299.2 3,163.6 153.2 84,024.0 1,553.4 44,595.7 6,376.0 33,981.4 190,025.3 0.0 0.0 44,351.8 19,195.9 0.0 1,436.9 16,981.0 376.38 305,926.7 504,829.5 650.3 114.5 29,934.0 1,396.6 34,797.0 6,399.0 49,919.5 179,423.5 0.0 0.0 39,891.5 24,281.2 0.0 1,159.1 11,528.0 207.79 327,198.0 532,506.9 1,196.2 113.8 60,227.7 1,233.1 36,304.7 6,325.0 54,137.1 180,747.8 0.0 0.0 45,638.2 27,246.0 0.0 1,318.7 8,507.0 305.2
10 418,528.1 566,211.2 1,077.3 187.3 30,256.6 1,299.7 35,103.3 6,739.0 47,770.1 188,263.0 0.0 0.0 42,903.5 30,432.7 0.0 1,350.1 9,100.0 185.611 464,617.8 533,207.9 666.4 140.9 25,545.1 1,221.9 26,868.2 2,960.0 45,550.5 169,784.9 0.0 0.0 44,565.3 27,302.7 0.0 1,518.3 6,503.9 128.012 332,656.0 582,014.9 400.1 149.1 37,542.0 3,205.5 27,960.6 6,485.0 32,857.8 220,757.1 600.0 0.0 55,807.4 21,680.0 0.0 1,571.0 13,700.0 1,127.0
2016 1 260,194.3 510,647.2 1,168.3 180.6 22,481.7 1,286.2 23,779.0 12,478.0 26,146.7 165,394.5 0.0 144.5 39,287.9 18,725.7 11.6 1,170.2 10,153.0 825.52 254,671.2 517,979.8 2,201.9 224.7 23,606.3 1,553.3 20,050.6 4,443.0 18,457.8 155,184.6 0.0 72.5 40,064.5 22,552.2 332.4 1,149.8 7,712.9 1,407.13 336,037.7 670,243.4 2,515.6 167.0 25,402.3 1,890.8 24,749.4 4,763.0 18,822.4 169,902.8 0.0 4.3 43,754.3 20,516.4 409.2 1,209.6 8,534.8 1,275.54 317,881.7 569,958.3 2,237.1 182.3 23,367.4 1,755.8 24,039.2 3,615.0 26,178.2 180,859.5 0.0 229.0 47,161.6 19,097.1 0.0 1,627.1 7,558.0 1,592.15 271,206.9 573,065.5 2,033.4 186.7 28,726.1 1,927.2 29,580.9 2,179.0 15,949.1 178,164.4 10.0 389.8 46,217.7 24,183.3 469.3 1,304.8 11,993.8 1,112.56 277,754.2 604,906.9 613.5 253.0 29,751.9 2,221.0 35,148.0 2,246.0 22,131.8 179,955.1 0.0 2,301.3 45,490.6 22,028.8 121.8 1,500.1 7,741.5 332.07 286,760.6 542,952.3 678.3 181.6 29,321.9 1,964.4 32,538.4 1,493.0 18,170.9 171,890.9 0.0 294.7 37,648.9 18,138.9 0.0 1,401.0 11,908.8 605.08 263,042.3 594,513.0 3,032.5 160.0 29,887.6 1,918.6 35,566.0 1,941.0 26,222.7 196,764.2 0.0 2,472.7 47,599.6 20,176.4 182.2 1,379.4 5,749.1 446.09 240,968.9 546,523.0 1,607.6 165.0 34,480.7 2,154.8 35,519.0 1,602.0 27,699.7 172,756.7 0.0 1,883.7 39,818.1 16,618.6 218.1 1,797.3 7,292.7 530.0
1 Berdasarkan kepada tarikh pasaran 1 Based on trade date2 Termasuk "Floating Rate Negotiable Instruments Deposits (FRNID)" 2 Include Floating Rate Negotiable Instruments Deposits (FRNID)3 Lain-lain Deposit termasuk Deposit Wadiah 3 Other Deposits include Wadiah Deposit. 4 Termasuk "Islamic Floating Rate Negotiable Instruments Deposits (FRNID)" 4 Include Islamic Floating Rate Negotiable Instruments Deposits (FRNID)5 Urusniaga Ringgit sahaja dan tidak termasuk urusniaga dengan Bank Negara Malaysia 5 Only Ringgit transactions and excludes Bank Negara Malaysia transactions
2.14
Konvensional IslamConventional Islamic
Deposit Penerimaan JurubankInstrumen Deposit
Boleh-niaga2 Deposit Mudharabah Deposit Komoditi Murabahah Deposit Wakalah Lain-lain Deposit3
Penerimaan Jurubank Islam
Sijil Hutang Boleh Niaga Islam4
Deposit Banker's AcceptanceNegotiable Instrument
of Deposit 2 Mudharabah
Deposits
Transaction for the month
Commodity Murabahah Deposits Wakalah Deposits Other Deposit 3 Islamic Bankers
Acceptance
Islamic Negotiable Instrument of
Deposit 4
Urusniaga bagi bulan
67
2.15 Pusing Ganti Derivatif1
Turnover of Derivatives Transaction1
Pusing Ganti Derivatif 1
Turnover of Derivatives Transactions 1
bersamaan RM juta / RM million equivalent
IslamIslamic
BerkaitanKomoditi
DerivatifKredit Lain-lain2 Swap Kadar
KeuntunganCommodity
RelatedCredit
DerivativesWaran Opsyen Pasaran Hadapan
Klibor Swap3 Opsyen Pasaran Hadapan Swap Mungkir Kredit
Warrants Options Klibor Futures Swap 3 Options Futures Credit Default Swap
2014 1 21.0 115.0 290.0 27,418.2 33.6 0.0 0.0 204.0 30.02 20.7 26.0 0.0 19,779.8 136.6 0.0 0.0 790.7 3,557.03 19.0 404.0 770.0 15,259.3 57.0 20.0 1.0 368.3 1,340.04 21.3 77.5 400.0 15,885.9 33.3 154.0 0.0 237.8 65.05 18.2 77.8 6,530.0 23,129.4 104.7 115.0 0.0 182.0 0.06 18.5 98.0 1,070.0 15,636.1 126.0 241.0 41.0 140.2 0.07 26.0 68.0 1,320.0 7,362.2 171.3 151.0 25.0 113.1 0.08 25.3 40.0 1,000.0 11,915.9 100.5 135.0 4.0 109.0 30.09 26.0 40.5 950.0 35,678.4 82.6 116.0 11.0 300.0 2,551.0
10 18.5 25.0 20.0 23,177.7 429.3 43.0 0.0 206.5 625.011 12.2 28.5 700.0 16,895.6 59.0 45.0 0.0 626.5 125.012 10.7 122.3 410.0 12,169.3 163.9 87.0 12.0 189.6 0.0
2015 1 11.1 183.5 450.0 24,828.8 121.3 0.0 107.0 239.7 130.02 12.4 18.5 260.0 10,224.3 63.2 41.0 8.3 142.1 30.03 12.7 26.0 53.0 19,589.3 149.3 81.0 168.9 653.4 320.04 10.4 48.0 93.0 34,665.7 56.1 78.0 35.4 513.1 20.0
5 8.3 51.0 121.0 10,447.2 131.6 32.0 120.2 497.4 35.06 10.8 158.7 204.0 21,899.3 66.1 48.7 122.2 439.1 1,400.07 11.7 37.4 40.0 17,177.7 40.4 53.4 26.0 336.5 0.08 13.8 35.8 690.0 31,419.4 142.6 212.0 73.1 333.8 200.09 20.4 65.8 92.0 20,296.7 10.0 56.4 119.4 480.4 500.3
10 25.5 46.0 65.0 11,986.3 0.0 34.1 27.2 550.0 0.011 30.7 34.8 210.0 7,711.3 20.2 18.0 76.3 499.5 0.012 28.5 21.3 10.0 15,492.5 39.1 56.6 18.6 1,369.4 0.0
2016 1 24.2 18.3 0.0 17,370.5 55.6 61.9 38.8 859.6 0.02 19.1 18.5 15.0 6,882.6 62.3 151.6 0.0 300.5 150.03 21.9 27.8 80.0 15,015.4 507.8 91.0 2.0 568.2 30.04 17.2 633.3 60.0 8,900.4 250.3 49.0 17.0 575.0 110.05 13.9 38.4 20.0 14,109.9 156.4 48.9 115.2 478.3 100.06 10.4 77.6 0.0 68,444.7 38.4 33.1 291.9 979.7 50.07 13.7 15.2 0.0 23,500.8 393.5 8.0 76.9 707.4 305.08 27.2 224.8 0.0 13,137.6 120.7 47.5 27.4 424.8 250.09 27.7 192.3 50.0 16,095.6 629.3 73.6 347.0 593.4 300.0
1 Berdasarkan kepada tarikh pasaran 1 Based on trade date2 Termasuk Pasaran Hadapan Bon dan TRS 2 Include Bond Futures and Total Return Swap3 Urusniaga Ringgit sahaja 3 Only Ringgit transactions
2.15KonvensionalConventional
Berkaitan Ekuiti Berkaitan Kadar Faedah
Equity Related Interest Rate Related
Others 2 Profit Rate Swap
Urusniaga bagi bulan
Transaction for the month
68
2.16 Pusing Ganti Sekuriti Hutang dan Sukuk1
Turnover of Debt Securities and Sukuk1
Pusing Ganti Sekuriti Hutang dan Sukuk1
Turnover of Debt Securities and Sukuk 1
bersamaan RM juta / RM million equivalent
Bil Bank Negara / Nota Kewangan Bank Negara
Bil Perbendaharaan Malaysia Sekuriti Kerajaan Malaysia
Nota Boleh Niaga Bank Negara / Nota Kewangan
Bank Negara - Islam
Bil Perbendaharaan Malaysia Islam
Terbitan Pelaburan Kerajaan Malaysia2
Sukuk Perumahan Kerajaan Jumlah Jumlah Jumlah
Bank Negara Bills / Bank Negara Monetary Note
Malaysian Treasury Bills
Malaysian Government Securities
Bank Negara Negotiable Notes / Bank Negara
Monetary Note - Islamic
Malaysian Islamic Treasury Bills
Malaysian Government Investment Issues 2
Government Housing Sukuk Total Total Total
2014 1 31,685.7 1,970.5 58,170.9 53,225.3 657.7 13,625.2 24.8 5,028.0 10,938.1 175,326.2 2 28,670.3 672.5 50,337.7 49,402.8 220.0 19,783.4 2,865.0 4,614.9 11,353.5 167,920.1 3 23,655.9 1,417.3 51,657.3 51,852.2 213.2 28,887.0 3,932.4 6,815.0 12,953.3 181,383.5 4 25,671.9 2,436.7 61,086.4 63,089.7 1,153.5 23,144.3 4,660.0 6,069.7 11,014.5 198,326.8 5 35,387.5 567.7 64,060.6 43,287.8 839.7 41,698.6 2,920.0 5,255.2 10,495.4 204,512.4 6 34,238.6 1,457.4 38,134.8 38,408.5 336.5 25,771.1 1,304.0 5,434.4 12,114.9 157,200.2 7 27,239.1 903.9 48,215.6 40,240.1 1,774.3 48,190.7 370.0 6,752.4 14,386.5 188,072.5
Sektor Awam / Public Sector
Akhir Tempoh
End of Period
2.16
Sektor Swasta / Private Sector
SukukKonvensional / Conventional Konvensional / Conventional Sukuk
8 50,541.5 966.1 66,452.1 48,962.2 567.9 23,225.3 3,210.0 5,765.2 19,524.4 219,214.7 9 55,557.3 660.7 41,615.9 63,456.9 377.5 25,620.3 1,840.0 7,386.7 14,411.5 210,927.0 10 80,415.2 769.2 96,263.1 49,028.3 613.9 37,906.0 3,380.0 4,230.7 16,769.4 289,375.8 11 37,763.8 1,614.4 57,875.9 48,959.9 994.8 30,592.8 739.0 5,256.7 12,155.7 195,952.9 12 47,871.2 1,452.9 62,326.7 38,710.6 352.5 19,593.2 40.0 5,155.8 14,384.4 189,887.2
2015 1 31,510.1 1,014.4 106,770.7 32,375.6 477.5 49,928.9 420.0 3,680.1 10,051.6 236,229.0 2 9,158.7 6,057.8 76,982.4 20,676.8 299.6 36,740.2 2,192.2 2,459.6 9,399.6 163,966.8 3 3,128.1 2,147.7 94,005.9 10,835.4 861.0 60,615.7 1,600.0 5,130.4 21,820.8 200,144.9 4 2,745.1 1,222.0 82,107.9 3,072.0 907.9 67,593.7 3,377.1 7,008.1 23,583.0 191,616.9 5 320.0 325.0 50,202.9 5,904.0 363.8 37,333.7 880.0 5,628.1 23,630.4 124,587.9 6 252.4 2,375.4 85,444.3 1,856.4 124.2 28,729.6 440.0 5,355.4 22,226.8 146,804.5 7 970.2 1,776.0 101,537.1 8,040.6 921.5 49,200.2 1,280.0 4,011.8 17,776.2 185,513.6 8 8,332.4 7,847.3 90,031.2 3,911.4 838.0 24,828.4 511.2 5,564.8 9,449.4 151,314.1 9 19,153.4 6,402.6 100,105.4 2,064.0 4,472.4 19,339.2 20.0 4,315.5 7,062.0 162,934.5 10 19,865.6 3,036.3 92,893.5 906.0 2,974.3 32,847.8 60.0 5,508.9 10,699.7 168,792.1 11 612.1 6,826.9 74,990.5 - 3,604.0 22,457.5 280.0 5,006.5 10,239.7 124,017.1 12 65.4 26.9 53,196.9 34.3 470.0 26,534.9 440.0 7,710.3 8,404.4 96,883.2
2016 1 200.0 1,218.0 77,118.6 - 878.0 70,668.5 100.0 6,053.7 17,543.5 173,780.3 2 16,069.3 1,850.2 82,725.8 125.7 2,059.4 60,982.6 284.0 5,871.4 21,696.8 191,665.2 3 12,464.5 3,729.4 72,101.9 - 964.0 66,698.9 1,380.0 6,386.2 23,779.0 187,503.8 4 4,529.0 1,165.5 85,606.3 - - 66,783.7 1,434.8 7,666.2 20,337.5 187,523.0 5 5,397.6 3,801.3 94,882.5 - 50.0 47,880.3 300.0 6,562.5 24,275.0 183,149.3 6 12,390.2 5,047.2 137,702.3 - 64.7 54,245.3 190.0 4,490.3 23,679.9 237,809.9 7 6,445.4 1,535.8 103,815.6 - 80.0 76,720.7 980.0 5,255.2 18,024.4 212,857.1 8 6,601.8 4,716.5 85,570.0 - 700.0 56,356.9 640.0 5,408.2 26,899.2 186,892.5 9 10,408.4 5,960.6 94,168.9 - 5,518.7 35,156.8 600.0 4,629.6 27,818.5 184,261.5
1 Merujuk kepada semua bon dan/atau sukuk kerajaan serta korporat yang disiarkan di FAST 2 Sebelum 31 Mac 2015, Sukuk ini dikenali sebagai Terbitan Pelaburan Kerajaan* Tidak termasuk Secondary Notes bagi Sukuk ** Sukuk Bank Negara Malaysia Ijarah termasuk di dalam Nota Boleh Niaga Bank Negara / Nota Kewangan Bank Negara - Islam
Sumber / Source: Bank Negara Malaysia FAST (Fully Automated System for Issuing / Tendering)
1 Refer to all government and corporate bond and/or sukuk broadcasted in FAST2 Prior to 31 March 2015, this Sukuk is known as Government Investment Issues* Exclude Secondary Notes of Sukuk Issuances** Bank Negara Malaysia Sukuk Ijarah included in Bank Negara Negotiable Notes / Bank Negara Monetary Note - Islamic
1 Merujuk kepada semua bon dan/atau sukuk kerajaan serta korporat yang disiarkan di FAST 2 Sebelum 31 Mac 2015, Sukuk ini dikenali sebagai Terbitan Pelaburan Kerajaan* Tidak termasuk Secondary Notes bagi Sukuk ** Sukuk Bank Negara Malaysia Ijarah termasuk di dalam Nota Boleh Niaga Bank Negara / Nota Kewangan Bank Negara - Islam
Sumber / Source: Bank Negara Malaysia FAST (Fully Automated System for Issuing / Tendering)
1 Refer to all government and corporate bond and/or sukuk broadcasted in FAST2 Prior to 31 March 2015, this Sukuk is known as Government Investment Issues* Exclude Secondary Notes of Sukuk Issuances** Bank Negara Malaysia Sukuk Ijarah included in Bank Negara Negotiable Notes / Bank Negara Monetary Note - Islamic
69
2.17 Pusing Ganti Pasaran Pertukaran AsingTurnover of Foreign Currency Market Transactions
Pusing Ganti Pasaran Pertukaran AsingTurnover of Foreign Currency Market Transactions
bersamaan USD juta / USD million equivalent
FX Spot FX Swap FX Hadapan FX Opsyen
FX Spot FX Swap FX Forward FX Options
2014 1 128,646.8 61,724.4 10,410.3 1,427.82 122,306.6 62,532.6 15,189.0 2,005.03 128,909.9 75,533.8 18,830.7 2,553.54 151,315.8 78,045.5 16,652.4 2,011.05 167,120.7 77,880.7 10,571.2 1,995.16 169,561.5 96,456.9 9,135.5 2,112.67 167,017.6 95,056.9 11,386.6 2,044.48 157,670.9 86,037.2 10,571.6 2,059.19 152,598.3 92,513.3 13,930.1 2,213.9
10 145,002.6 89,518.5 9,275.7 1,677.211 130,579.6 79,699.7 9,482.5 2,302.412 126,163.2 81,635.9 10,380.8 1,604.4
2015 1 137,267.8 79,546.4 9,423.8 2,560.72 104,899.6 59,392.4 6,958.9 1,757.43 148,532.6 94,680.5 12,138.5 2,241.44 179,415.0 84,676.3 10,478.0 3,006.35 160,671.7 77,455.8 8,420.5 1,731.66 164,209.4 101,060.3 9,857.3 1,598.47 116,033.1 102,609.6 11,436.6 2,323.68 78,185.4 94,900.8 10,031.0 1,969.89 69,024.6 104,303.9 9,525.8 1,273.0
10 65,848.4 84,315.1 9,660.1 1,596.511 53,367.5 80,319.3 9,623.4 1,692.312 57,015.8 81,804.7 9,076.8 1,087.2
2016 1 71,595.6 82,299.8 12,145.7 1,818.32 58,305.5 65,942.1 10,152.0 1,841.63 78,451.7 71,356.4 11,728.1 1,816.24 69,271.1 84,049.8 10,382.4 1,930.85 67,300.7 85,588.6 10,384.7 2,013.46 73,898.2 88,869.2 12,113.7 1,848.37 65,834.5 78,928.0 10,565.2 1,649.98 59,154.5 90,401.4 10,804.3 2,023.4
9 65,438.3 90,370.7 12,293.5 1,798.4
Transactionduring the
month
Urusniaga bagi bulan
2.17
70
3.1 Kewangan Kerajaan Persekutuan Federal Government Finance Kewangan Kerajaan Persekutuan Federal Government Finance
RM juta / RM million
Peminjaman kasardalam negeri
Tolak: Pembayaran balik
dalam negeri
Peminjaman bersih dalam
negeri
Peminjaman kasar luar negeri
Tolak: Pembayaran balik luar negeri
Peminjaman bersih luar
negeri
Revenue Expenditure 1 Surplus / deficit(-)
Gross development expenditure
Less: Loan recoveries
Net development expenditure
Overall surplus / deficit(-)
Gross domestic borrowing
Less: Domestic repayment
Net domestic borrowing
Gross foreign borrowing
Less: Foreign repayment
Net foreign borrowing Use of assets
2011 185,419 182,594 2,825 46,416 1,082 45,334 -42,509 93,312 48,244 45,069 6,469 5,919 550 -3,110 2012 207,913 205,537 2,376 46,932 2,606 44,326 -41,951 96,244 52,900 43,344 684 697 -14 -2,899 2013 213,370 211,270 2,100 42,210 1,526 40,683 -38,584 100,457 60,931 39,526 413 634 -222 -747 2014 220,626 219,589 1,037 39,503 1,052 38,451 -37,414 90,740 53,183 37,557 277 633 -356 208
2015 3 219,089 216,998 2,091 40,768 1,483 39,285 -37,193 95,253 56,323 38,931 5,560 4,833 727 -2,714
2010 1Q 28,734 31,900 -3,167 7,303 287 7,016 -10,183 19,000 3,535 15,465 62 467 -405 -4,877 2Q 41,973 37,063 4,910 12,123 114 12,010 -7,099 16,399 10,924 5,475 4,049 62 3,987 -2,362 3Q 43,128 38,572 4,555 12,529 171 12,358 -7,803 15,600 7,037 8,563 107 221 -114 -646 4Q 45,818 44,097 1,721 20,836 925 19,912 -18,190 9,500 2,546 6,954 277 81 196 11,011
Hasil
Pinjaman dalam negeri
3.1
Tempoh
Belanjawan semasa Perbelanjaan pembangunan
Lebihan / kurangan(-) keseluruhan
Sumber-sumber kewangan
Current budget Development expenditure Sources of finance
Pinjaman luar negeri
Penggunaan harta2
Domestic borrowing Foreign borrowing
Period
Perbelanjaan1 Lebihan / kurangan(-)
Perbelanjaan pembangunan
kasar
Tolak: Terimaan balik pinjaman
Perbelanjaan pembangunan
bersih
45,818 44,097 1,721 20,836 925 19,912 18,190 9,500 2,546 6,954 277 81 196 11,0112011 1Q 39,759 38,653 1,106 6,429 108 6,321 -5,215 24,500 39 24,461 25 394 -369 -18,878
2Q 49,649 40,590 9,060 8,334 99 8,235 825 26,500 21,801 4,699 126 67 59 -5,583 3Q 48,347 48,832 -485 12,564 292 12,272 -12,757 24,000 23,257 743 6,063 5,391 671 11,343 4Q 47,664 54,520 -6,856 19,089 583 18,507 -25,362 18,312 3,146 15,166 255 66 188 10,008
2012 1Q 47,889 45,599 2,290 8,508 388 8,120 -5,831 24,744 9,272 15,472 95 392 -297 -9,344 2Q 50,747 48,234 2,513 10,337 1,544 8,793 -6,280 27,000 22,128 4,872 167 64 103 2,806 3Q 52,101 50,062 2,038 10,931 131 10,800 -8,762 25,000 17,500 7,500 115 178 -64 1,345 4Q 57,176 61,641 -4,465 17,156 543 16,613 -21,078 19,500 4,000 15,500 308 63 244 2,294
2013 1Q 43,751 49,892 -6,141 9,512 715 8,797 -14,939 23,500 17,219 6,281 33 355 -322 8,979 2Q 51,588 49,183 2,405 6,878 51 6,827 -4,423 24,500 14,399 10,101 139 60 79 -5,757 3Q 56,980 53,403 3,577 9,177 162 9,015 -5,439 26,238 17,482 8,756 113 142 -28 -3,289 4Q 61,052 58,792 2,260 16,642 599 16,044 -13,784 26,220 11,832 14,388 128 78 51 -680
2014 1Q 49,175 55,198 -6,023 7,117 154 6,963 -12,986 23,500 3,500 20,000 66 335 -270 -6,744 2Q 52,671 51,725 947 7,201 189 7,012 -6,066 26,296 20,339 5,957 21 77 -56 164 3Q 59,139 52,932 6,207 8,229 145 8,084 -1,877 20,603 20,503 100 69 156 -87 1,864 4Q 59,640 59,734 -94 16,957 564 16,393 -16,487 20,341 8,841 11,500 121 65 56 4,925
2015 3 1Q 51,548 55,421 -3,873 8,000 118 7,882 -11,755 23,000 13,797 9,203 5 124 -119 2,671 2Q 55,251 51,830 3,421 7,330 76 7,255 -3,833 26,500 - 26,500 5,375 4,492 883 -23,550 3Q 56,253 52,285 3,967 8,835 147 8,689 -4,721 21,000 31,535 -10,535 79 141 -62 15,318 4Q 56,037 57,461 -1,425 16,602 1,143 15,459 -16,884 24,753 10,991 13,762 101 75 25 2,846
2016 3 1Q 48,794 57,377 -8,584 9,455 305 9,151 -17,734 25,500 7,000 18,500 6 140 -134 -631 2Q 47,498 52,077 -4,579 10,623 184 10,440 -15,018 25,500 2,172 23,328 5,911 77 5,834 -14,144
1 Tidak termasuk pindahan antara akaun seperti Kumpulan Wang Pembangunan.2 Termasuk perubahan-perubahan dalam baki-baki Kumpulan Wang Amanah Kerajaan.
Tanda tolak menunjukkan penimbunan harta-harta.3 Angka-angka suku tahunan adalah awalan.
Jumlah tidak semestinya tepat disebabkan oleh penggenapan.
Nota: Kalendar siaran awal bagi kategori data ini boleh didapati di laman web DSBB-IMF (http://dsbb.imf.org).Sumber: Jabatan Akauntan Negara
1 Excludes intra-account transfer such as Development Fund.2 Include changes in Government Trust Fund balances. A minus sign indicates the accumulation of assets.3 Quarterly figures are preliminary.
Numbers may not add up to total due to rounding.
Note: An advance release calendar for this data category is published on the IMF's Dissemination Standards Bulletin Board (http://dsbb.imf.org).Source: Accountant General Department
71
RENTAS - Pegangan Pemilik-Pemilik Asing bagi Sekuriti Hutang dan Sukuk1 RENTAS - Foreign Holdings in Debt Securities and Sukuk13.2
RENTAS - Pemegangan Asing bagi Sekuriti Hutang dan Sukuk1
RENTAS- Foreign Holdings in Debt Securities and Sukuk 1
bersamaan RM juta / RM million equivalent
Bil Bank Negara / Nota Kewangan Bank Negara
Bil PerbendaharaanMalaysia
Sekuriti Kerajaan Malaysia
Nota Boleh Niaga Bank Negara / Nota Kewangan
Bank Negara - Islam
Bil Perbendaharaan Malaysia Islam
Sukuk Bank Negara Malaysia
Ijarah
Terbitan Pelaburan Kerajaan Malaysia2
Sukuk Perumahan
KerajaanJumlah
: yang mana dalam denominasi mata wang
asing Jumlah
: yang mana dalam denominasi mata
wang asing Jumlah
Bank Negara Bills / Bank Negara Monetary Note
Malaysian Treasury Bills
Malaysian Government Securities
Bank Negara Negotiable Notes / Bank Negara
Monetary Note - Islamic
Malaysian Islamic Treasury Bills
Bank Negara Malaysia Sukuk
Ijarah
Malaysian Government Investment
Issues 2
Government Housing Sukuk Total : of which foreign
currency denominated Total: of which foreign
currency denominated
Total
2014 4 48,918.7 1,134.6 135,544.0 29,886.0 300.0 - 4,469.3 610.0 9,593.6 - 5,452.5 - 235,908.8 5 50,830.7 1,112.8 144,732.4 31,465.8 330.0 - 5,448.8 730.0 9,321.2 - 5,485.3 - 249,456.9 6 50,244.3 1,077.4 147,286.3 26,590.0 260.0 - 7,388.8 730.0 9,117.4 - 5,457.6 - 248,151.8 7 51,726.8 1,065.3 154,015.1 28,961.7 495.0 - 5,710.2 730.0 9,070.1 - 5,445.5 - 257,219.6 8 55,536.6 1,163.9 148,331.7 30,157.6 375.0 - 6,068.5 730.0 9,069.6 - 5,464.9 - 256,897.8 9 54,114.6 1,008.8 149,815.8 23,960.8 225.0 - 4,228.8 730.0 9,715.9 699.9 5,477.2 - 249,277.0
10 60 382 7 917 6 146 742 5 21 842 3 195 0 5 291 4 730 0 9 551 7 723 2 5 429 9 251 083 2
Sukuk
End of Period
3.2
Sektor Swasta / Private Sector
Akhir Tempoh
Konvensional / ConventionalSukukKonvensional / Conventional
Sektor Awam / Public Sector
10 60,382.7 917.6 146,742.5 21,842.3 195.0 - 5,291.4 730.0 9,551.7 723.2 5,429.9 - 251,083.2 11 53,785.1 598.9 145,265.9 17,022.7 115.0 - 4,816.9 610.0 8,705.5 742.3 5,546.2 - 236,466.2 12 49,636.8 251.2 145,312.2 10,951.8 55.0 - 5,148.6 610.0 8,450.8 762.8 5,457.6 - 225,874.0
2015 1 42,799.4 35.0 146,694.4 9,529.1 45.0 - 5,282.7 610.0 8,393.4 786.5 5,434.1 - 218,823.1 2 40,729.9 2,297.0 145,695.4 9,589.8 20.0 - 5,857.8 610.0 8,393.8 782.9 5,464.5 - 218,658.2 3 33,629.6 2,892.6 151,426.4 5,279.5 62.1 - 5,903.3 585.0 8,439.0 812.3 5,197.0 - 213,414.5 4 28,999.9 3,347.6 157,563.2 3,065.2 222.1 - 10,747.6 15.0 7,114.1 777.4 5,278.8 - 216,353.4 5 21,905.6 2,465.0 158,160.0 2,142.3 261.1 - 10,853.4 15.0 7,270.2 798.7 5,376.1 - 208,448.7 6 18,185.5 3,317.3 166,803.4 1,009.1 199.0 - 9,769.1 15.0 7,231.5 826.8 5,397.0 - 211,926.9 7 16,494.9 3,375.3 165,439.9 726.1 96.7 - 8,202.3 15.0 7,030.6 835.9 5,391.4 - 206,772.2 8 14,571.6 3,807.0 157,430.5 480.4 267.7 - 8,718.2 15.0 7,146.7 893.8 5,397.8 - 197,834.9 9 21,830.2 4,225.9 153,781.4 158.4 1,012.7 - 8,304.3 15.0 7,151.1 950.5 5,494.6 - 201,973.7
10 27,290.5 3,780.3 153,914.0 86.6 1,442.7 - 10,154.8 15.0 7,453.6 920.0 5,531.6 - 209,669.1 11 24,086.9 4,177.8 158,952.4 86.6 1,288.0 - 11,652.0 5.0 7,608.1 977.4 5,714.5 - 213,571.3 12 23,631.2 2,746.0 162,146.0 79.4 589.0 - 11,628.2 5.0 8,228.9 965.8 5,753.0 - 214,806.8
2016 1 23,631.2 2,236.6 164,399.0 79.4 556.0 - 11,484.2 5.0 8,247.2 925.4 5,824.1 - 216,462.7 2 20,634.5 2,286.5 164,976.7 - 1,435.0 - 11,708.0 5.0 8,137.4 942.5 5,927.0 - 215,110.0 3 21,094.9 3,160.4 171,532.7 - 1,445.0 - 15,155.4 5.0 8,081.2 888.2 6,157.6 - 226,632.2 4 19,150.5 2,999.3 175,437.5 - 1,315.0 - 19,031.4 5.0 8,613.7 875.2 6,306.0 - 232,858.5 5 14,090.9 2,311.5 177,061.1 - 1,290.0 - 19,744.9 5.0 8,594.3 911.8 6,376.0 - 229,473.7 6 12,866.3 2,068.9 182,066.4 - 1,290.0 - 21,806.0 - 8,812.8 883.9 6,247.9 - 235,158.3 7 12,123.0 2,131.9 185,306.7 - 1,290.0 - 24,371.5 - 9,106.9 914.3 6,537.3 - 240,867.4 8 12,096.6 2,509.4 186,940.2 - 1,240.0 - 26,914.5 - 9,959.4 907.4 7,222.4 - 246,882.5 9 9,341.5 2,670.1 181,412.6 - 830.0 - 26,866.6 - 9,949.5 932.9 7,420.5 - 238,490.6
10 5,391.0 2,641.2 184,569.2 - 880.0 - 30,271.9 - 9,994.8 931.1 7,132.9 - 240,881.0
1 Merujuk kepada semua bon dan/atau sukuk kerajaan serta korporat yang didepositkan dalam RENTAS, terbitan pemastautin dan bukan pemastautin 2 Sebelum 31 Mac 2015, Sukuk ini dikenali sebagai Terbitan Pelaburan Kerajaan* Tidak termasuk Nota Sekunder bagi Terbitan Sukuk
Sumber / Source: Bank Negara Malaysia
1 Refer to all government and corporate bond and/or sukuk as deposited in RENTAS, issued by residents and non-residents2 Prior to 31 March 2015, this Sukuk is known as Government Investment Issues* Exclude Secondary Notes of Sukuk Issuances
72
Keluaran Dalam Negara Kasar Mengikut Komponen Perbelanjaan pada Harga Malar 2010 (Perubahan Tahunan)Gross Domestic Product by Expenditure Components at Constant 2010 Prices (Annual Change)3.3 Keluaran Dalam Negara Kasar Mengikut Komponen Perbelanjaan pada Harga Malar 2010 (Perubahan Tahunan)
Gross Domestic Product by Expenditure Components at Constant 2010 Prices (Annual Change)Perubahan tahunan dalam % / Annual change in %
Keluaran Dalam Negara Kasar (KDNK) Jumlah Sektor swasta Sektor awam Jumlah Sektor swasta Sektor awam Eksport barang-barang
dan perkhidmatanImsport barang-barang
dan perkhidmatan
Gross Domestic Product (GDP) Total Private sector Public sector Total Private sector Public sector
Exports of goods and services
Imports of goods and services
2011 5.3 8.4 6.9 14.2 6.4 9.5 2.6 4.2 6.3
2012 5.5 7.7 8.3 5.4 19.0 21.4 15.9 -1.7 2.9
2013 4.7 6.9 7.2 5.8 8.1 12.8 1.8 0.3 1.7
2014 6.0 6.4 7.0 4.3 4.8 11.1 -4.7 5.0 4.0
2015 5.0 5.7 6.0 4.4 3.7 6.4 -1.0 0.6 1.2
2011 1Q 5.0 7.1 6.7 8.9 10.9 22.6 -3.6 1.5 10.0
2Q 4.6 5.8 6.2 4.1 3.0 6.1 -2.3 5.3 4.3
3Q 6.0 9.5 7.3 19.2 5.7 1.5 12.6 4.3 3.9
4Q 5.5 10.7 7.2 21.0 6.4 10.9 3.3 5.6 7.4
2012 1Q 5.1 8.5 8.1 10.5 13.6 17.6 7.3 1.4 5.8
2Q 5.2 9.7 9.3 11.2 25.2 24.3 26.9 0.5 7.9
3Q 5.0 8.0 9.2 3.0 21.4 21.9 20.8 -4.7 1.9
4Q 6.5 5.1 6.8 0.8 15.5 21.2 11.4 -4.0 -3.3
2013 1Q 4.3 5.2 6.4 0.2 12.5 9.4 17.8 -3.5 -2.4
2Q 4.6 7.7 6.9 10.8 5.8 11.2 -4.1 -4.6 -1.4
3Q 4.9 7.8 8.0 6.6 8.8 14.9 -0.3 4.2 3.8
4Q 5.0 7.0 7.6 5.4 6.1 16.5 -1.9 5.1 6.9
2014 1Q 6.3 7.8 6.9 11.9 6.7 14.9 -6.3 7.8 7.5
2Q 6.5 5.1 6.5 -0.2 6.9 11.7 -3.2 8.6 4.4
3Q 5.6 6.5 6.8 5.1 1.3 7.0 -8.5 2.6 2.1
4Q 5.7 6.3 7.6 2.4 4.3 11.1 -1.8 1.6 2.3
2015 1Q 5.7 8.0 9.0 4.1 7.9 11.6 0.5 -0.6 0.9
2Q 4.9 6.5 6.4 6.9 0.4 3.9 -8.1 -4.0 -3.1
3Q 4.7 4.0 4.1 3.6 4.2 5.5 1.8 3.2 3.1
4Q 4.5 4.5 4.9 3.3 2.7 4.9 0.4 4.0 4.0
2016 1Q 4.2 5.1 5.3 3.8 0.1 2.2 -4.5 -0.5 1.3
2Q 4.0 6.4 6.3 6.5 6.1 5.6 7.5 1.0 2.0
3.3Perbelanjaan penggunaan terakhir / Final consumption expenditure Pembentukan modal tetap kasar / Gross fixed capital formation
Tempoh
Period
73
Keluaran Dalam Negeri Kasar mengikut Jenis Aktiviti Ekonomi pada Harga Malar 2010 (Perubahan Tahunan)Gross Domestic Product by Kind of Economic Activity at Constant 2010 Prices (Annual Change)3.4 Keluaran Dalam Negeri Kasar mengikut Jenis Aktiviti Ekonomi pada Harga Malar 2010 (Perubahan Tahunan)
Gross Domestic Product by Kind of Economic Activity at Constant 2010 Prices (Annual Change)Perubahan tahunan dalam % / Annual change in %
Elektrik dan Gas Air Perdagangan
Borong Perdagangan
RuncitKenderaan Bermotor Penginapan Makanan dan
Minuman
Pengangkutan dan
Penyimpanan
Maklumant dan Komunikasi Kewangan Insurans
Harta Tanah dan
Perkhidmatan Perniagaan
Perkhidmatan Kerajaan
Perkhidmatan Lain
Agriculture Mining and Quarrying Manufacturing Construction Services 1 Electricity and
Gas Water Wholesale Trade Retail Trade Motor
Vehicles Accomodation Food and Beverage
Transport and Storage
Infor & Communication Finance Insurance
Real Estates and Business
Services
GovernmentServices Other Services
GDP at Purchasers'
Value 1
2011 6.8 -4.9 5.4 4.6 7.0 4.0 3.9 8.5 6.6 2.2 3.7 7.0 5.6 7.4 6.3 8.6 5.8 11.1 5.0 5.3
2012 1.0 1.6 4.4 18.1 6.5 5.0 4.2 3.2 5.9 4.7 2.9 6.5 4.8 8.9 5.3 16.0 7.5 9.6 4.5 5.5 2013 2.0 1.2 3.4 10.6 5.9 4.4 4.4 5.6 8.0 3.0 2.9 6.8 4.6 9.1 2.2 1.5 8.0 7.4 5.6 4.7 2014 2.1 3.5 6.2 11.7 6.6 3.6 4.8 8.6 9.9 6.6 3.5 7.4 5.2 9.7 1.8 4.0 8.0 6.2 4.8 6.0 2015 1.2 4.7 4.9 8.2 5.1 2.9 5.8 9.2 5.4 4.1 3.5 7.2 5.7 9.4 -0.4 -1.7 6.6 4.0 4.7 5.0
2011 1Q -0.9 -3.1 6.6 5.1 7.2 2.3 3.3 5.7 7.7 4.1 2.7 5.8 4.8 6.6 7.2 10.1 6.2 13.2 5.4 5.0 2Q 9.3 -8.3 3.5 2.2 7.0 3.1 4.2 9.6 5.6 -3.0 4.9 7.1 5.6 7.3 6.7 5.4 7.1 12.2 5.3 4.6 3Q 9.9 -5.1 6.2 3.8 7.2 5.7 3.3 11.0 6.5 4.5 3.9 7.3 6.1 7.6 6.5 4.1 5.0 10.1 5.4 6.0 4Q 8.5 -3.2 5.5 7.4 6.7 4.7 4.7 7.4 6.7 2.7 3.2 7.7 6.0 7.9 4.8 15.2 5.0 9.3 3.9 5.5
2012 1Q 2.4 0.2 4.3 15.8 5.9 5.8 4.7 6.5 7.7 0.5 4.4 6.9 5.5 9.1 0.9 6.2 7.2 7.2 4.6 5.1 2Q -5.6 2.2 5.3 21.0 6.8 5.1 4.4 4.0 7.4 8.3 4.1 8.0 5.7 10.2 3.9 16.7 6.9 8.6 4.7 5.2 3Q 0.4 -0.9 2.8 18.1 7.1 4.6 3.8 2.8 5.2 6.7 1.3 5.2 3.7 9.3 9.3 18.7 7.7 11.1 4.3 5.0 4Q 6.7 4.9 5.3 17.6 6.4 4.8 3.9 0.4 3.9 3.2 2.1 5.8 4.3 7.0 7.1 22.1 8.3 11.4 4.3 6.5
2013 1Q 6.8 -1.2 0.6 13.1 6.1 4.5 4.2 5.4 6.7 3.9 1.6 8.2 3.8 7.1 3.4 14.7 8.2 6.3 5.7 4.3
Perkhidmatan KDNK pada Harga Pembeli
Period
3.4
Tempoh Pertanian Perlombongan dan Kuari Pembuatan Pembinaan
2Q 0.2 4.8 3.7 9.6 5.2 4.4 4.1 4.5 7.3 -0.5 2.0 6.0 4.2 9.1 0.5 -0.1 7.7 6.8 5.8 4.6 3Q 1.3 2.0 4.2 10.2 6.0 4.1 4.3 4.6 7.6 4.2 4.9 6.2 5.1 10.6 2.5 -2.9 8.1 8.5 5.5 4.9 4Q 0.2 -0.6 5.0 9.9 6.5 4.6 5.1 8.1 10.2 4.1 3.1 6.8 5.3 9.6 2.3 -3.6 8.1 7.6 5.3 5.0
2014 1Q 2.6 0.0 7.0 19.3 6.8 3.3 3.1 8.1 10.4 3.9 5.1 6.7 4.8 10.1 3.0 2.1 8.2 7.6 5.3 6.3 2Q 6.6 1.9 7.3 10.1 6.4 3.0 2.7 8.7 10.0 9.3 3.5 6.6 4.8 9.5 0.3 2.8 7.6 6.8 4.3 6.5 3Q 3.4 2.0 5.3 9.7 6.5 4.6 7.0 8.3 9.5 5.7 2.6 7.2 5.2 9.5 2.1 6.9 7.8 5.8 4.7 5.6 4Q -3.7 10.0 5.4 8.7 6.6 3.3 6.2 9.4 10.0 7.4 2.9 8.9 6.0 9.7 1.8 4.3 8.3 4.7 4.7 5.7
2015 1Q -4.1 9.7 5.6 9.6 6.4 2.9 7.1 9.5 10.7 7.6 3.4 8.5 5.7 9.6 1.3 3.6 7.5 3.8 4.6 5.7 2Q 4.6 6.0 4.2 5.6 5.0 3.6 5.2 8.5 4.3 2.0 3.9 7.4 5.4 9.3 1.7 -4.7 6.2 4.0 4.7 4.9 3Q 2.3 5.1 4.9 9.9 4.4 2.5 5.3 9.6 2.8 2.2 3.2 6.6 5.7 9.5 -2.9 -3.7 6.5 3.2 4.8 4.7 4Q 1.5 -1.3 5.0 7.4 5.0 2.5 5.7 9.1 4.2 5.0 3.6 6.5 6.0 9.2 -1.3 -2.1 6.1 4.7 4.6 4.5
2016 1Q -3.8 0.3 4.5 7.9 5.1 6.5 7.7 8.1 5.4 -5.1 3.8 6.8 5.8 8.5 0.2 -0.2 6.4 5.3 4.6 4.2
2Q -7.9 2.6 4.1 8.8 5.7 5.2 6.6 8.7 7.2 -2.7 3.4 7.9 5.9 8.8 -0.2 7.7 6.8 4.9 4.4 4.0
1 Jumlah tidak semestinya sama disebabkan oleh penghampiran angka.
Nota: Kalendar siaran awal bagi kategori data ini boleh didapati di laman web DSBB-IMF (http://dsbb.imf.org).
Sumber: Jabatan Perangkaan Malaysia
74
Penunjuk Ekonomi Terpilih Selected Economic Indicators3.5 Penunjuk Ekonomi Terpilih
Selected Economic Indicators
Semua Perlombongan Elektrik PembuatanEksport Import
All Mining Electricity Manufacturing
100.0 100.0 100.0 28.92 5.19 65.89000 persons
3.5
TempohIHP
PHP - Pengeluaran
Tempatan 1IPP
Perdagangan Kadar Pengangguran Tenaga Buruh
CPIPPI - Local
Production 1IPI
Trade Unemployment
RateLabour Force
PeriodWajaran / Weight (2010=100)
Exports Imports
% Annual change
2013 2.1 -2.7 3.4 0.9 5.4 4.2 2.5 6.9 3.1 13,980.5
2014 3.2 1.5 5.1 2.6 4.7 6.1 6.3 5.3 2.9 14,263.6
2015 2.1 -7.4 4.5 4.1 2.4 4.8 1.6 0.4 3.1 14,518.0
2014 9 2.6 -0.2 5.4 7.2 6.3 4.7 1.9 1.1 2.7 14,346.9
10 2.8 -1.5 5.2 11.5 3.4 3.2 -3.3 9.1 - -
11 3.0 -2.6 4.8 7.6 3.4 3.9 1.9 0.1 - -
12 2.7 -6.9 7.4 6.9 3.0 7.9 2.2 4.1 2.8 14,403.3
2015 1 1.0 -7.0 7.0 8.3 6.3 6.6 -1.7 -5.2 - -
2 0.1 -7.8 5.1 9.3 1.9 4.0 -11.0 0.3 - -
3 0.9 -8.9 7.2 10.0 3.8 6.3 1.0 5.7 3.1 14,544.8
4 1.8 -8.8 4.1 3.9 2.9 4.2 -9.3 -6.6 - -
5 2.1 -9.4 4.5 9.0 1.2 3.2 -6.7 -6.9 - -
6 2.5 -9.2 4.4 3.9 -2.4 4.9 5.1 -1.1 3.1 14,535.6
7 3.3 -8.9 6.1 14.0 -1.2 4.2 3.7 5.8 - -
8 3.1 -8.5 2.3 -3.4 2.2 4.3 4.2 -6.1 - -
9 2.6 -7.0 5.1 4.3 2.6 5.6 8.8 9.6 3.2 14,561.0
10 2.5 -4.8 4.2 -1.4 4.3 6.2 16.5 -0.4 - -
11 2.6 -5.3 1.9 -4.1 2.0 4.0 6.2 9.1 - -
12 2.7 -3.4 2.7 -1.6 5.6 4.1 1.4 2.5 3.2 14,600.2
2016 1 3.5 -4.4 3.3 0.6 7.7 4.0 -1.8 3.3 - -
2 4.2 -4.8 3.9 1.1 10.5 4.5 8.1 1.5 - -
3 2.6 -3.9 2.8 -2.5 7.7 4.5 1.6 -5.5 3.4 14,596.8
4 2.1 -2.8 3.0 0.7 9.5 3.2 2.2 -2.6 - -
5 2.0 -2.1 2.8 -1.1 9.6 3.7 -0.8 2.9 - -
6 1.6 -1.3 5.2 6.4 8.7 4.6 3.3 7.8 3.4 14,665.4
7 1.1 -2.1 4.1 6.0 7.2 3.2 -5.5 -4.7 - -
8 1.5 -0.1 4.9 4.3 11.4 4.7 1.5 4.9 - -
9 1.5 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Sumber: Jabatan Perangkaan Malaysia Source: Department of Statistics, Malaysia
1 Indeks Harga Pengeluar (IHPR) yang diterbitkan sebelum bulan Januari 2010 merujuk kepada IHPR ekonomi domestik, yang terdiri daripada IHPR pengeluaran tempatan dan indeks harga import. Walau bagaimanapun, mulai bulan Januari 2010 IHPR ekonomi domestik tidak lagi diterbitkan.
1 The Producer Price Index (PPI) published prior to January 2010 referred to PPI for the domestic economy, which comprised of PPI for local production and import price index. However, starting from January 2010, PPI for the domestic economy has been discontinued.
75
Imbangan Pembayaran (BPM6) Balance of Payments (BPM6)3.6 Imbangan Pembayaran (BPM6) 1Balance of Payments (BPM6) 1
RM juta / RM million
Jumlah
Bersih Kredit Debit Bersih Kredit Debit Bersih Kredit Debit Bersih Kredit Debit Bersih Kredit Debit Bersih Aset Liabiliti Bersih Aset Liabiliti Bersih Bersih
Net Credit Debit Net Credit Debit Net Credit Debit Net Credit Debit Net Credit Debit Net Assets Liabilities Net Assets Liabilities Net Net
2010 82,816 130,738 124,182 602,609 478,427 6,556 111,466 104,910 -26,131 38,352 64,483 -21,790 1,920 23,711 -111 69 180 -19,945 -13,976 -49,163 35,186 48,467 -23,176 71,643 -698 -53,738 -65,387 -2,628
2011 99,324 141,985 140,529 658,421 517,893 1,457 118,880 117,424 -21,600 52,521 74,121 -21,061 4,683 25,744 -133 44 177 23,265 -9,337 -55,324 45,987 26,139 -18,522 44,661 -76 6,539 -27,774 94,682
2012 50,177 104,488 113,030 644,864 531,835 -8,542 125,337 133,879 -35,841 42,297 78,138 -18,469 6,661 25,130 241 410 169 -23,014 -24,415 -51,957 27,542 63,859 -21,464 85,323 972 -63,431 -23,531 3,873
2013 35,485 86,959 96,552 637,683 541,131 -9,592 132,685 142,277 -33,975 47,656 81,631 -17,498 7,597 25,096 -15 17 32 -20,216 -6,276 -41,928 35,653 -3,012 -32,088 29,076 -253 -10,675 -605 14,649
2014 48,554 102,620 113,327 678,865 565,538 -10,706 137,618 148,325 -36,624 52,395 89,019 -17,443 10,496 27,939 344 382 38 -79,954 -17,974 -52,623 34,649 -39,354 -28,112 -11,242 -975 -21,652 -5,451 -36,507
2015 34,658 88,565 109,550 685,398 575,849 -20,985 135,061 156,046 -32,011 48,733 80,744 -21,896 11,912 33,807 -1,144 6 1,150 -50,851 4,773 -37,153 41,926 -28,190 -9,078 -19,112 -663 -26,770 21,087 3,750
2010 1Q 28,352 43,464 41,483 149,189 107,706 1,981 26,330 24,349 -9,687 7,109 16,797 -5,424 420 5,844 -26 13 39 -17,392 1,988 -12,491 14,479 12,952 -4,069 17,022 415 -32,747 -30,568 -19,634
2Q 13,579 28,551 27,198 147,242 120,043 1,353 27,470 26,117 -9,288 7,116 16,404 -5,684 435 6,118 -34 7 41 -209 162 -2,223 2,385 13,732 -2,055 15,787 -2,088 -12,016 -15,212 -1,875
3Q 18,899 27,607 25,770 150,183 124,413 1,837 28,673 26,836 -3,484 12,792 16,276 -5,224 558 5,782 -43 7 50 -3,117 -17,581 -23,866 6,285 18,278 -9,249 27,527 835 -4,649 -14,775 965
4Q 21,985 31,116 29,731 155,995 126,265 1,386 28,993 27,608 -3,672 11,335 15,007 -5,459 507 5,966 -8 43 50 773 1,455 -10,583 12,038 3,505 -7,802 11,307 140 -4,327 -4,833 17,917
2011 1Q 24,711 35,708 35,366 157,525 122,159 342 27,274 26,932 -5,889 12,297 18,186 -5,108 1,017 6,125 -42 7 49 -6,390 102 -13,739 13,841 8,430 -8,735 17,165 144 -15,066 -2,425 15,855
2Q 24,004 35,971 34,529 163,213 128,684 1,442 29,239 27,797 -6,641 11,150 17,790 -5,327 1,032 6,358 -21 15 36 51,429 1,921 -12,088 14,009 48,036 -3,650 51,686 416 1,057 -13,687 61,724
3Q 27,450 36,438 35,551 166,362 130,811 886 30,768 29,882 -3,728 13,973 17,702 -5,259 1,265 6,524 -34 11 45 -22,406 -4,021 -17,378 13,357 -27,857 -5,629 -22,228 -301 9,773 5,906 10,917
4Q 23,158 33,869 35,082 171,321 136,238 -1,214 31,599 32,813 -5,342 15,101 20,443 -5,368 1,370 6,738 -36 11 47 631 -7,339 -12,119 4,780 -2,469 -508 -1,962 -335 10,775 -17,568 6,186
2012 1Q 15,554 29,606 33,042 161,572 128,530 -3,436 28,891 32,327 -8,642 9,789 18,432 -5,410 1,471 6,881 -136 1 137 -10,368 -9,454 -21,499 12,045 25,099 -7,544 32,643 -20 -25,993 -12,271 -7,221
2Q 6,859 24,187 27,010 165,272 138,262 -2,823 30,708 33,531 -12,678 9,265 21,943 -4,650 2,306 6,956 -6 4 10 6,484 4,646 -6,691 11,336 -4,961 -3,849 -1,111 992 5,807 -640 12,697
3Q 7,233 21,128 22,346 157,561 135,215 -1,218 32,106 33,324 -9,017 11,015 20,032 -4,878 1,212 6,090 -10 1 11 -8,959 -1,308 -7,226 5,918 33,338 -5,921 39,259 -64 -40,925 -5,790 -7,526
4Q 20,531 29,566 30,632 160,460 129,828 -1,066 33,632 34,697 -5,504 12,227 17,731 -3,531 1,672 5,203 393 404 11 -10,171 -18,299 -16,541 -1,758 10,384 -4,149 14,533 64 -2,320 -4,830 5,923
2013 1Q 12,423 24,604 25,351 151,497 126,146 -748 32,088 32,835 -7,970 9,918 17,888 -4,210 1,619 5,829 2 5 3 1,200 -2,757 -11,581 8,824 3,921 -5,252 9,174 211 -174 -9,583 4,043
2Q 978 13,656 17,063 152,555 135,492 -3,408 31,728 35,136 -8,146 10,933 19,079 -4,531 1,933 6,464 -3 0 3 4,397 -8,425 -15,683 7,258 3,277 -11,407 14,685 -1,421 10,965 -3,854 1,518
3Q 8,499 20,943 23,915 163,325 139,410 -2,972 33,079 36,052 -8,048 12,482 20,530 -4,396 1,907 6,302 5 12 6 -15,685 1,069 -8,164 9,233 -9,412 -10,021 609 564 -7,906 18,944 11,763
4Q 13,585 27,757 30,222 170,306 140,084 -2,465 35,790 38,255 -9,811 14,323 24,133 -4,362 2,138 6,500 -20 0 20 -10,128 3,838 -6,500 10,338 -798 -5,407 4,609 393 -13,560 -6,112 -2,675
2014 1Q 19,820 31,067 31,230 166,749 135,519 -163 35,092 35,256 -6,629 14,496 21,125 -4,618 2,032 6,650 -2 2 4 -38,038 -14,376 -20,578 6,202 -14,166 -7,516 -6,650 -1,487 -8,009 926 -17,294
2Q 15,292 25,852 27,435 172,346 144,911 -1,583 34,404 35,987 -7,765 14,757 22,522 -2,796 3,895 6,691 0 9 9 -12,090 -4,045 -16,534 12,488 6,321 -10,400 16,721 229 -14,595 -4,176 -974
3Q 7,256 21,874 25,744 167,554 141,809 -3,870 33,607 37,477 -9,473 13,484 22,957 -5,145 2,140 7,285 66 73 7 -2,200 2,221 -6,294 8,515 -11,151 -10,416 -735 49 6,681 -11,832 -6,710
4Q 6,186 23,827 28,917 172,216 143,299 -5,090 34,515 39,605 -12,756 9,659 22,415 -4,885 2,428 7,313 280 299 18 -27,627 -1,773 -9,217 7,444 -20,359 219 -20,578 234 -5,729 9,631 -11,530
2015 1Q 11,328 24,120 27,661 162,899 135,238 -3,541 33,163 36,704 -7,705 11,429 19,134 -5,087 2,408 7,496 -1 3 3 -29,843 -1,444 -9,978 8,534 -7,897 -7,361 -536 3 -20,505 2,820 -15,696
2Q 8,131 18,665 23,648 163,035 139,387 -4,983 32,323 37,306 -4,606 15,470 20,076 -5,928 2,794 8,722 -1,107 1 1,108 5,741 666 -17,557 18,222 -11,787 -8,059 -3,728 -449 17,311 -4,316 8,450
3Q 4,664 21,123 27,155 174,875 147,719 -6,032 34,074 40,106 -10,592 9,574 20,166 -5,866 3,172 9,038 -21 1 22 -30,660 -221 -6,749 6,528 -24,394 705 -25,099 -111 -5,934 43,014 16,997
4Q 10,535 24,656 31,085 184,590 153,504 -6,429 35,500 41,929 -9,107 12,261 21,368 -5,015 3,537 8,552 -15 1 16 3,911 5,772 -2,870 8,642 15,887 5,637 10,250 -106 -17,642 -20,431 -6,000
2016 1Q 5,039 16,664 23,490 161,526 138,036 -6,826 34,632 41,459 -6,688 10,760 17,448 -4,937 3,539 8,477 -9 1 10 5,789 3,732 -11,210 14,941 13,105 -5,892 18,997 488 -11,535 -38,388 -27,570
2Q 1,884 15,173 19,808 162,575 142,767 -4,634 35,273 39,907 -8,230 12,948 21,178 -5,060 3,850 8,910 118 128 11 9,496 5,304 -3,829 9,133 77 -4,749 4,826 12 4,102 -2,726 8,771
1 Merujuk kepada Manual Imbangan Pembayaran Edisi Keenam (BPM6). 1 Based on Balance of Payments Manual, Sixth Edition (BPM6).
Angka-angka tidak semestinya terjumlah disebabkan oleh penggenapan. Numbers may not necessarily add up due to rounding.
Source : Bank Negara Malaysia and Department of Statistics Malaysia Source : Bank Negara Malaysia and Department of Statistics Malaysia
OverallBalance
Net Errors and Omissions
Kesilapan danKetinggalan
Bersih
Imbangan Keseluruhan
Total
Pelaburan Langsung / Direct Investment
PelaburanLain / Other
Investment
Akaun Kewangan / Financial Account
Jumlah
DerivatifKewangan /
Financialderivatives
3.6
Jumlah
Total TotalDuring
KetikaAkaun Semasa / Current Account
Pelaburan Portfolio / Portfolio Investment
Capital AccountPendapatan Sekunder/ Secondary IncomeBarangan / Goods Perkhidmatan / Services
Pendapatan Primer/ Primary Income
Barangan dan Perkhidmatan / Goods and Services
76
HutangLuarNegeri(DefinisiSemula)ExternalDebt(Redefined)3.7 Hutang Luar Negeri (Definisi Semula)1
External Debt (Redefined) 1
RM juta / RM million
Deposit
bukan
pemastautinNon-resident
deposits Hutang
Jumlah Jumlah Kerajaan Persekutuan
Perusahaan Awam5
Sektor perbankan
Sektor bukan bank
Sektor perbankan
Sektor bukan bank Jumlah Sekuriti
Kerajaan Lain-lain Sekuriti Kerajaan Lain-lain Jumlah Jumlah
Jangkasederhana & panjang3
Jangkapendek4
jangka sederhana & panjang3
Hutang jangka pendek4
Total Total Federal Government
Public Enterprise 5
Banking sector
Non-bank sector Banking sector Non-bank
sector Total Govt securities Others Govt securities Others Total TotalMedium- and long-
term 3
Short-term 4
Medium- and long-term debt 3
Short-termdebt 4
2009 388,345 232,732 13,787 75,933 14,319 51,258 68,572 8,863 6.5 70,383 41,133 16,256 990 12,004 34,511 50,719 9,367 41,352 222,054 166,2912010 434,278 227,072 16,746 70,383 12,736 47,788 67,982 11,438 8.0 118,935 74,063 12,232 949 31,691 34,628 53,643 9,611 44,032 243,559 190,7202011 537,456 257,273 18,105 69,562 18,934 46,925 92,302 11,446 10.7 163,268 103,086 13,901 1,184 45,097 43,917 72,997 10,466 62,531 280,978 256,4772012 602,060 257,594 16,848 71,392 23,552 53,347 79,981 12,474 10.8 223,606 131,581 11,948 829 79,248 58,963 61,897 9,884 52,013 318,551 283,5092013 696,592 324,088 16,763 82,141 26,297 70,785 113,530 14,573 10.7 229,655 140,397 10,685 1,272 77,301 77,325 65,524 10,678 54,846 357,745 338,8472014 747,757 379,679 16,776 76,343 36,540 81,010 149,276 19,734 11.4 223,289 151,071 11,324 306 60,589 78,050 66,739 10,633 56,105 383,697 364,0612015 833,817 463,621 21,477 106,841 50,264 107,317 161,301 16,420 15.6 211,347 172,629 11,502 3,335 23,881 81,616 77,233 11,890 65,343 481,921 351,896
2009 1Q 364,495 246,510 20,192 69,903 16,147 52,096 79,599 8,572 8.0 43,854 26,935 14,683 429 1,807 30,412 43,720 3,371 40,349 203,327 161,1682Q 357,008 233,011 14,262 64,421 15,643 52,482 76,516 9,687 8.1 48,711 28,623 14,565 212 5,311 30,600 44,686 2,416 42,270 192,411 164,5963Q 386,816 243,550 13,857 82,077 14,398 52,557 71,194 9,466 3.3 57,149 35,344 13,209 574 8,022 33,863 52,254 9,431 42,823 220,874 165,9424Q 388,345 232,732 13,787 75,933 14,319 51,258 68,572 8,863 6.9 70,383 41,133 16,256 990 12,004 34,511 50,719 9,367 41,352 222,054 166,291
2010 1Q 391,515 219,190 12,737 72,259 13,519 48,613 64,061 8,001 8.0 85,428 55,771 15,171 1,743 12,743 32,114 54,783 9,570 45,213 227,641 163,875
End period
Sektor awam Sektor swasta dan panjang3 Jangka pendek4
Public sector Private sector Medium- and long-term 3 Short-term 4
Debt service ratio 7 (%)
Nisbah khidmat bayaran
hutang7 (%)
Non-resident holdings of ringgit-denominated debt securities Others 6 Overall external debt profile
Medium- and long term 3 Short-term 4 Jangka sederhana
3.7
Akhir tempoh
Hutang luar negeri yang belum dijelaskan / External debt outstanding Profil keseluruhan hutang luar
Pinjaman luar pesisir2/Offshore borrowing2 Pegangan sekuriti hutang dalam denominasi ringgit oleh bukan pemastautin Lain-lain6 negeri
Jangka sederhana dan panjang3 Jangka pendek4
2Q 402,600 222,158 17,092 72,342 13,117 47,368 64,610 7,629 7.3 95,596 59,408 15,064 1,354 19,770 32,738 52,108 10,331 41,778 234,721 167,8793Q 427,023 227,414 16,364 71,536 12,995 45,793 70,639 10,087 8.2 114,406 68,591 13,705 1,537 30,573 33,136 52,067 9,230 42,837 238,215 188,8084Q 434,278 227,072 16,746 70,383 12,736 47,788 67,982 11,438 6.7 118,935 74,063 12,232 949 31,691 34,628 53,643 9,611 44,032 243,559 190,720
2011 1Q 472,625 233,371 15,935 64,918 14,490 46,912 78,905 12,212 10.1 144,342 81,658 12,977 1,384 48,323 35,143 59,769 9,591 50,178 246,480 226,1452Q 527,802 241,342 16,167 67,276 17,853 47,872 80,979 11,194 8.4 183,701 92,680 14,626 1,376 75,019 36,905 65,854 9,756 56,099 266,230 261,5723Q 543,245 263,082 18,088 70,355 18,208 51,144 93,220 12,066 12.7 167,896 93,289 15,652 1,258 57,697 39,422 72,845 9,979 62,866 276,716 266,5294Q 537,456 257,273 18,105 69,562 18,934 46,925 92,302 11,446 10.3 163,268 103,086 13,901 1,184 45,097 43,917 72,997 10,466 62,531 280,978 256,477
2012 1Q 559,409 249,220 16,863 67,274 18,705 45,365 89,909 11,105 8.5 192,380 110,692 16,329 574 64,784 43,717 74,092 10,983 63,109 286,211 273,1992Q 586,834 270,241 17,911 69,336 21,007 51,987 98,781 11,220 12.4 187,718 112,654 13,681 524 60,859 49,211 79,663 11,344 68,319 297,920 288,9143Q 602,289 264,542 17,252 72,923 23,253 51,043 88,294 11,777 10.3 213,432 121,500 11,021 648 80,262 52,416 71,898 10,617 61,281 307,610 294,6794Q 602,060 257,594 16,848 71,392 23,552 53,347 79,981 12,474 10.1 223,606 131,581 11,948 829 79,248 58,963 61,897 9,884 52,013 318,551 283,509
2013 1Q 611,639 269,904 16,142 71,022 23,850 57,703 89,118 12,069 11.2 221,998 139,670 10,407 860 71,061 54,798 64,939 9,726 55,213 328,520 283,1192Q 644,950 290,451 16,453 71,360 24,393 63,763 101,954 12,529 11.3 227,097 140,716 12,849 1,275 72,257 61,954 65,448 10,926 54,522 340,459 304,4913Q 674,549 312,420 16,929 81,662 25,708 67,888 106,866 13,368 10.8 226,481 130,790 12,952 1,587 81,152 70,105 65,543 10,764 54,779 346,693 327,8574Q 696,592 324,088 16,763 82,141 26,297 70,785 113,530 14,573 9.6 229,655 140,397 10,685 1,272 77,301 77,325 65,524 10,678 54,846 357,745 338,847
2014 1Q 700,273 337,505 16,469 81,445 28,021 73,681 123,265 14,624 11.2 231,423 144,500 11,922 1,179 73,822 68,006 63,338 10,718 52,620 366,757 333,5162Q 729,175 347,773 16,241 82,421 30,163 75,754 127,909 15,286 8.6 243,837 154,282 13,803 1,337 74,415 73,319 64,246 9,970 54,276 382,633 346,5423Q 743,658 358,116 16,080 72,979 32,183 77,523 140,856 18,495 14.8 247,014 154,775 12,834 1,234 78,171 73,020 65,509 10,147 55,362 376,521 367,1384Q 747,757 379,679 16,776 76,343 36,540 81,010 149,276 19,734 11.3 223,289 151,071 11,324 306 60,589 78,050 66,739 10,633 56,105 383,697 364,061
2015 1Q 767,121 408,560 17,637 99,709 38,891 85,453 148,511 18,359 15.4 210,657 157,285 11,509 2,955 38,909 81,417 66,487 10,884 55,604 421,367 345,7542Q 791,925 428,957 18,824 100,611 42,025 90,239 162,162 15,096 17.2 209,239 175,957 10,457 3,516 19,309 84,153 69,576 10,998 58,578 449,111 342,8153Q 850,623 488,699 22,247 113,096 53,065 106,008 177,272 17,010 16.2 198,923 160,792 10,904 5,239 21,989 82,819 80,182 12,476 67,706 478,588 372,0354Q 833,817 463,621 21,477 106,841 50,264 107,317 161,301 16,420 13.8 211,347 172,629 11,502 3,335 23,881 81,616 77,233 11,890 65,343 481,921 351,896
2016 1Q 809,096 438,981 19,910 97,106 46,919 107,905 150,660 16,481 17.6 223,874 185,642 12,153 4,605 21,475 78,785 67,455 11,357 56,097 480,992 328,1042Q 848,242 466,744 24,654 97,017 50,773 115,929 158,181 20,188 13.9 232,259 202,823 12,940 3,359 13,136 77,330 71,910 11,046 60,864 515,184 333,059
1 Merujuk kepada hutang luar negeri yang dikira berdasarkan definisi semula. Untuk maklumat lanjut, sila rujuk kepada rencana bertajuk ‘Definisi Semula Hutang Luar Negeri’ dalam ‘Buletin Suku Tahunan: Perkembangan Ekonomi dan Kewangan Malaysia Suku Pertama 2014’.
2 Bersamaan dengan hutang luar negeri definisi terdahulu, terkandung terutamanya hutang mata wang asing diperoleh, dan nota dan bon terbitan luar pesisir (termasuk sedikit perubahan kepada data bage tahun 2009 - 2013).
3 Hutang jangka sederhana dan panjang merupakan hutang yang berjangka lebih daripada satu tahun. Angka-angka suku tahunan adalah awalan.4 Hutang jangka pendek merupakan hutang yang berjangka setahun atau kurang.5 Terdiri daripada kedua-dua hutang Perusahaan Awam yang dijamin dan tidak dijamin. 6 Terkandung kredit perdagangan, peruntukan SDR IMF, dan lain-lain.7 Mengukur bayaran balik pokok (tidak termasuk prabayaran) dan bayaran faedah pinjaman luar pesisir sebagai nisbah kepada jumlah eksport kasar barangan dan perkhidmatan. 8 Angka-angka tidak semestinya terjumlah disebabkan oleh penggenapan.
Sumber: Perbendaharaan dan Bank Negara Malaysia dan Laporan Bersama Kedudukan Pelaburan Antarabangsa oleh Syarikat Residen oleh Jabatan Perangkaan Malaysia dan Bank Negara Malaysia
1 Refers to the redefined external debt. For more information, please refer to the box article entitled 'The Redefinition of External Debt' in the Quarterly Bulletin on Economic and Financial Developments in the Malaysian Economy in the First Quarter of 2014.
2 Equivalent to the external debt as previously defined, comprise mainly foreign currency loan raised, and bonds and notes issued, offshore (with slightly revised data for 2009 - 2013)
3 Medium and long-term debt refers to debt with tenure of more than one year. Quarterly figures are preliminary.4 Short-term debt refers to debt with tenure of one year and below.5 Includes both guaranteed and non-guaranteed debt of Public Enterprises. 6 Comprise trade credits, IMF allocation of SDRs and miscellaneous7 Measures the principal repayment (excluding prepayment) and the interest payment of the offshore borrowing as a proportion of gross export of goods and services. 8 Numbers may not necessarily add up due to rounding.
Source: Treasury and Joint International Investment Position (IIP) Report by Resident Companies by Department of Statistics, Malaysia and Bank Negara Malaysia
77
Rizab Luar Negeri External Reserves 3.8
Rizab Luar NegeriExternal Reserves
RM juta / RM million
Jumlah Hak-hak Pengeluaran Khas2 Kedudukan rizab di IMF3 Emas dan pertukaran mata wang asing4
Total Special Drawing Rights 2 IMF reserves position 3 Gold and foreign exchange 4 External liabilities5 Net international reserves Other official reserves4 Net official reserves
2014 405,372.6 6,518.1 3,295.3 395,559.3 27.1 405,345.5 113.1 405,458.62015 409,126.0 7,656.4 3,291.3 398,178.3 30.2 409,095.8 131.0 409,226.7
2014 9 416,902.5 6,264.3 3,188.1 407,450.1 26.9 416,875.6 109.4 416,985.010 419,681.0 6,264.4 3,179.4 410,237.3 27.5 419,653.6 108.0 419,761.611 411,669.5 6,264.5 3,179.4 402,225.7 26.3 411,643.2 108.8 411,752.012 405,372.6 6,518.1 3,295.3 395,559.3 27.1 405,345.5 113.1 405,458.6
2015 1 386,484.4 6,518.2 3,286.0 376,680.1 27.3 386,457.1 112.5 386,569.62 386,005.4 6,518.2 3,286.1 376,201.1 27.5 385,977.9 113.6 386,091.63 389,680.0 6,552.6 2,825.2 380,302.2 30.8 389,649.2 112.9 389,762.14 392,374.7 6,552.7 2,825.2 382,996.8 27.2 392,347.4 112.5 392,460.05 394,324.7 6,552.6 2,825.2 384,946.8 27.7 394,297.0 114.7 394,411.76 398 126 7 6 762 8 2 905 3 388 458 6 28 0 398 098 8 122 2 398 220 9
Rizab antarabangsa bersihLain-lain rizab rasmi4 Rizab rasmi bersih
3.8Bank Negara Malaysia / Central Bank of Malaysia
Akhir tempoh
End period
Rizab antarabangsa kasar / Gross international reserves1
Tanggungan luar negeri5
6 398,126.7 6,762.8 2,905.3 388,458.6 28.0 398,098.8 122.2 398,220.97 364,681.6 6,762.9 2,898.9 355,019.7 30.3 364,651.3 122.4 364,773.78 357,682.7 6,763.0 2,906.9 348,012.8 29.5 357,653.2 133.5 357,786.79 415,133.0 7,945.2 3,418.1 403,769.6 37.0 415,095.9 138.6 415,234.6
10 417,937.0 7,945.3 3,418.1 406,573.6 31.7 417,905.3 135.6 418,040.911 420,109.4 7,945.4 3,418.1 408,745.9 31.3 420,078.1 132.4 420,210.512 409,126.0 7,656.4 3,291.3 398,178.3 30.2 409,095.8 131.0 409,226.7
2016 1 410,089.4 7,656.5 3,291.3 399,141.7 30.3 410,059.1 123.1 410,182.22 410,492.2 4,878.3 3,345.7 402,268.2 73.7 410,418.5 120.4 410,538.83 381,602.3 4,500.3 3,149.3 373,952.7 76.3 381,526.0 116.2 381,642.24 381,351.4 4,500.3 3,142.2 373,709.0 59.2 381,292.3 116.8 381,409.15 382,617.5 4,500.0 3,142.2 374,975.3 61.5 382,556.0 124.0 382,680.06 390,359.8 4,592.3 3,212.2 382,555.3 62.6 390,297.1 111.1 390,408.37 391,068.3 4,592.3 3,212.2 383,263.8 56.4 391,011.9 110.0 391,121.98 391,922.8 4,592.3 3,212.2 384,118.3 56.6 391,866.2 108.9 391,975.19 404,977.1 4,737.2 3,314.2 396,925.7 58.3 404,918.7 110.5 405,029.2
1 Merujuk kepada rizab antarabangsa Bank Negara Malaysia yang terdiri daripada emas dan mata wang asing, kedudukan rizab Kumpulan Wang Antarabangsa dan Hak-hak Pengeluaran Khas. Penyata Harta dan Tanggungan terkini boleh diperolehi melalui laman web Bank Negara Malaysia.
2 Merupakan peruntukan Hak-hak Pengeluaran Khas Malaysia, dicampur perolehan bersih Hak-hak Pengeluaran Khas.
3 Merujuk kepada kuota Malaysia di Tabung Kewangan Antarabangsa (IMF), ditolak milikan mata wangMalaysia oleh IMF.
4 Data mulai tahun 1969, yang diterbitkan sejak bulan Mac 1973, adalah siri yang dipinda. Dengan penamatan taraf sah diperlakukan bagi dolar Malaysia pada bulan Januari 1969, anggaran bahagian Malaysia daripada baki harta Lembaga Pesuruhjaya Mata Wang Malaya dan British Borneo, dicerminkan sem*njak tarikh itu, dalam himpunan harta luar negeri Kerajaan Persekutuan, bukan sebagai milikan emas dan mata wang asing Bank Negara Malaysia. Berkuat kuasa mulai bulan Mei 2006, 'tuntutan mata wang asing lain terhadap pemastautin' tidak diklasifikasikan di bawah rizab antarabangsa. Ia diklasifikasikan di bawah 'Aset Lain' Bank Negara Malaysia. Data rizab antarabangsa sebelum Mei 2006 telah dikemas kini dengan sewajarnya.
5 Tanggungan luar negeri Bank Negara Malaysia terdiri daripada deposit dan lain-lain bank pusat dan agensi antarabangsa.
Nota: Kalendar siaran awal bagi kategori data ini boleh didapati di laman web DSBB-IMF (http://dsbb.imf.org).
1 Refers to the international reserves of the Central Bank of Malaysia comprising gold and foreign exchange, reserve position in the International Monetary Fund and Special Drawing Rights. Latest Statement of Assets and Liabilities is available on the web site of the Central Bank of Malaysia.
2 Relates to Malaysia's allocation of Special Drawing Rights, plus net acquisition of Special Drawing Rights.3 Refers to Malaysia's quota in the International Monetary Fund, less the Fund's holdings of Malaysian currency.4 Data as from 1969, published since March 1973, are a revised series. With the termination of the legal tender
status of the Malayan dolar in January 1969, Malaysia's estimated share the residual assets of the Board of Commissioners of Currency, Malaya and British Borneo, is reflected since that date in the accumulated foreign assets of the Federal Government, instead of the Central Bank's gold and foreign exchange holdings. With effect from May 2006, international reserves exclude the 'other foreign currency claims on residents', which is classified under 'Other Assets' of the Central Bank of Malaysia. International reserves data prior to May 2006 has been revised accordingly.
5 External liabilities of the Central Bank of Malaysia consist of deposits placed by other central banks and international agencies.
Note: An advance release calendar for this data category is published on the IMF's Dissemination Standards Bulletin Board (http://dsbb.imf.org).
78
Kumpulan Wang Insurans Hayat/Am dan Takaful Keluarga/Am: Penyata Aset (dialihkan dari jadual asal 1.8)Life/General Insurance and Family/General Takaful Funds: Statement of Assets (shifted from existing MSB Table 1.8)4.1
Kumpulan Wang Insurans Hayat/Am dan Takaful Keluarga/Am: Penyata Aset
Life/General Insurance and Family/General Takaful Funds: Statement of Assets
RM juta/RM million
Kertas2/Pinjaman Dijamin oleh Kerajaan Malaysia
Sekuriti/ Hutang Korporat3
Lain-lain Jumlah
Malaysian Government Papers 2 /Guaranteed Loans
Corporate Debt/Securities 3 Others Total
2014 1Q 27 199,216.2 1,559.8 2,635.6 12,025.3 26,085.8 126,431.0 6,837.6 159,354.5 6,008.4 13,353.8 4,278.92Q 27 203,723.6 1,568.6 2,643.6 12,221.0 25,278.0 130,326.7 6,817.9 162,422.5 6,602.3 13,933.2 4,332.53Q 27 208,127.0 1,595.4 2,637.9 12,371.1 24,812.6 135,464.8 7,006.5 167,283.9 6,647.1 13,339.9 4,251.84Q 27 209,863.2 1,648.1 2,669.3 12,491.0 24,861.1 136,222.8 7,058.4 168,142.3 6,759.3 13,777.6 4,375.6
2015 1Q 27 216,536.1 1,655.0 2,653.8 12,594.5 24,556.1 139,858.3 7,205.0 171,619.4 7,768.4 15,526.5 4,718.42Q 27 216,230.8 1,663.3 2,670.3 12,650.0 24,207.6 140,383.3 7,549.8 172,140.7 8,048.6 14,070.8 4,987.1
Akhir tempoh
End of period
Bilangan Kumpulan Wang Insurans/Takaful
Hayat/Keluarga dan Am1
Number of Life/Family and General Insurance/Takaful
Funds 1Other Assets 4
Pelaburan Hartanah
4.1
Property, Plant and Equipment
Wang Tunai dan Simpanan
Cash and Deposits
Pinjaman/ Pembiayaan
Foreign Assets
Jumlah Aset Harta benda, Loji dan Kelengkapan
Pelaburan
Investments
Total Assets Investment Properties Loans/ Financing
Aset Luar Negeri
Insurans Hayat dan Takaful Keluarga/Life Insurance and Family Takaful 5
Aset Lain4
3Q 27 214,745.5 1,666.1 2,695.7 12,813.3 25,481.6 137,584.4 7,306.7 170,372.6 8,180.1 14,112.1 4,905.64Q 27 221,910.1 1,749.6 2,775.0 12,850.5 24,959.1 143,834.9 7,454.5 176,248.5 8,739.5 14,744.5 4,802.5
2016 1Q 27 226,057.6 1,943.3 2,846.5 13,190.7 24,284.4 147,838.0 7,302.9 179,425.3 8,009.8 15,427.8 5,214.32Q 27 227,701.4 1,978.5 2,726.4 13,090.1 24,985.0 148,438.3 6,419.5 179,842.7 8,445.0 16,320.8 5,298.03Q 27 234,807.8 1,988.3 2,744.8 13,121.6 24,609.4 155,249.3 5,650.4 185,509.1 9,789.6 16,175.2 5,479.2
2014 1Q 37 34,745.1 779.9 171.6 83.0 6,858.3 8,571.6 5,796.4 21,226.3 30.0 7,633.9 4,820.42Q 37 34,992.0 779.8 175.5 83.8 6,784.0 8,720.5 6,084.2 21,588.7 24.8 7,680.5 4,658.93Q 37 35,711.8 783.1 173.3 82.2 6,650.4 8,910.1 6,440.2 22,000.7 38.1 7,896.9 4,737.54Q 37 36,165.6 852.4 176.2 80.1 6,895.5 8,891.4 6,534.3 22,321.2 32.4 7,937.0 4,766.3
2015 1Q 36 37,505.2 875.5 176.4 78.4 6,736.9 8,781.4 7,320.2 22,838.5 142.6 7,656.2 5,737.72Q 36 37,385.4 893.9 172.8 75.6 6,908.8 8,535.8 7,287.0 22,731.6 125.3 7,702.3 5,683.93Q 36 37,794.3 881.8 221.2 71.3 6,772.3 8,484.0 7,549.0 22,805.4 108.3 8,043.5 5,662.94Q 36 38,166.7 836.6 224.6 68.5 6,932.3 8,551.5 7,978.5 23,462.2 89.4 7,833.0 5,652.4
2016 1Q 36 39,952.5 863.4 224.8 64.7 6,835.3 8,802.6 8,057.9 23,695.7 43.5 8,457.9 6,602.52Q 36 39,566.4 871.6 224.5 61.1 6,372.7 8,678.7 8,280.2 23,331.5 78.0 8,767.1 6,232.43Q 36 38,849.2 899.5 197.5 57.1 6,221.5 8,991.0 8,111.1 23,323.6 56.3 8,766.5 5,548.7
Insurans dan Takaful Am/General Insurance and Takaful 6
1 Mulai daripada tahun 1986, termasuk Kumpulan Wang Insurans Takaful Keluarga dan Takaful Am.2 Termasuk SKM, Bil Perbendaharaan, Terbitan Pelaburan Kerajaan Malaysia dan Bil Bank Negara.3 Termasuk kertas Cagamas, debentur, bon dan pinjaman stok, waran dan hak langganan boleh pindah, dll.4 Termasuk premium terkumpul dan lain-lain aset.5 Termasuk perniagaan insurans hayat dan takaful keluarga yang dikendalikan oleh syarikat insurans dan pengendali takaful komposit dan hayat/keluarga.6 Termasuk perniagaan insurans/takaful am yang dikendalikan oleh syarikat insurans dan pengendali takaful komposit dan am.
Nota: Struktur jadual ini telah disemak dan dikemaskini berkuatkuasa mulai tahun 2004 dengan mengambilkira semua item di dalam portfolio pelaburan selaras dengan format Statistik Tahunan Insurans BNM.Sumber: Bank Negara Malaysia
1 From 1986 onwards, includes Takaful Family and General Takaful Insurance Funds.2 Includes MGS, Treasury Bills, Malaysian Government Investment Issues and BNM Papers.3 Includes Cagamas papers, debentures, bonds and loans stocks, warrants, TSRs and shares, etc.4 Includes outstanding premiums and miscellaneous assets.5 Includes life insurance and family takaful business undertaken by composite and life/family insurance companies and takaful operators.6 Includes general insurance/takaful business undertaken by composite and general insurance companies and takaful operators.
Notes: Structure of this table has been revised and updated with effect from year 2004 to take into consideration of all items in the investments portfolio to synchronize with BNM Annual Insurance Statistics format.Source: Bank Negara Malaysia
79
Insurans: Aset dan Liabiliti Penanggung Insurans Ditubuhkan di MalaysiaInsurance: Assets and Liabilities of Malaysian-Incorporated Insurers4.2 Insurans: Aset dan Liabiliti Penanggung Insurans Ditubuhkan di Malaysia
Insurance : Assets and Liabilities of Malaysian-Incorporated InsurersRM juta/RM million
Modal Berbayar/Paid-up Capital
Akaun Premium Saham/Share Premium
Account Rizab/Reserves
Keuntungan/(Kerugian) Tertahan/Retained
Profit/(Loss) Jumlah/Total
2013 1H 75,606.9 1,741.6 16.0 83.8 1,263.5 3,104.9 5,900.7 11,341.2 95,953.6 863.2 6,810.6 75,525.3 1,117.5 6,663.8 1,743.3 3,229.9 95,953.6 2H 76,753.2 1,741.6 16.0 65.4 1,734.8 3,557.9 6,171.0 12,278.7 98,760.8 946.8 7,041.5 78,329.4 1,025.9 6,049.5 1,757.5 3,610.2 98,760.8
2014 1H 80,443.9 1,741.6 16.0 71.8 1,443.0 3,272.4 6,034.5 12,917.2 102,668.1 888.2 7,192.5 80,588.4 1,040.6 6,817.3 1,853.7 4,287.3 102,668.1 2H 82,561.4 1,741.6 16.0 35.3 2,215.9 4,008.8 5,009.7 13,997.9 105,577.8 900.4 7,359.9 83,026.0 1,066.1 7,027.4 1,891.9 4,306.2 105,577.8
2015 1H 90,059.5 1,992.9 40.7 90.7 1,512.9 3,637.2 5,114.8 15,055.9 113,872.5 1,047.7 7,765.1 89,223.7 1,314.7 7,090.4 2,560.6 4,870.4 113,872.5 2H 91,780.0 1,992.9 40.7 77.9 2,270.5 4,382.0 4,634.0 15,883.4 116,679.4 1,092.9 7,883.0 91,283.7 1,382.5 6,794.4 2,378.7 5,864.3 116,679.4
2016 1H 95,704.1 2,047.9 40.7 105.2 1,647.9 3,841.7 4,652.1 16,369.8 120,567.8 1,103.4 8,068.4 92,142.5 1,397.7 9,332.7 2,664.2 5,858.9 120,567.8
2013 1H 4,508.6 3,473.6 1,668.4 202.2 4,017.0 9,361.2 52.7 10,476.8 24,971.0 542.3 83.7 13,396.6 93.6 6,750.4 4,092.7 11.6 24,971.0 2H 4,552.2 3,473.6 1,668.4 157.1 5,212.0 10,511.1 20.8 10,818.4 26,094.2 595.8 83.5 14,565.8 91.7 6,467.1 4,281.2 9.2 26,094.2
2014 1H 4,973.5 3,473.6 1,668.4 98.6 5,151.7 10,392.3 45.1 11,252.3 27,337.7 593.1 76.9 15,091.9 97.1 6,843.1 4,626.8 8.8 27,337.7 2H 4,930.9 3,517.7 1,668.4 61.3 6,404.2 11,651.7 62.4 11,524.8 28,297.3 655.3 74.1 15,693.6 97.3 7,084.3 4,687.4 5.3 28,297.3
2015 1H 5,414.2 3,637.6 1,668.4 55.4 6,008.4 11,369.9 88.8 12,473.1 30,005.9 687.0 70.5 16,797.3 93.6 6,800.3 5,508.1 49.1 30,005.9 2H 5,355.4 3,637.6 1,668.4 102.3 6,695.0 12,103.4 58.3 12,855.2 30,622.6 678.0 64.2 16,957.0 144.8 7,179.8 5,577.4 21.4 30,622.6
2016 1H 5,658.8 3,637.6 1,668.4 89.8 6,740.3 12,136.2 121.6 12,937.5 31,693.8 702.9 57.6 17,252.2 144.7 7,487.4 6,030.4 18.5 31,693.8
2013 1H 73,490.0 1,698.9 725.9 137.3 1,955.2 4,517.3 589.6 9,931.7 88,532.1 957.8 5,124.7 71,838.6 1,267.5 4,736.9 2,586.0 2,020.4 88,532.1 2H 74,308.7 1,698.9 725.9 100.6 2,700.7 5,226.1 242.7 10,505.6 90,164.0 737.5 5,080.5 72,943.4 1,577.9 5,201.6 2,283.4 2,339.6 90,164.0
2014 1H 77,084.0 1,698.9 725.9 85.0 2,269.0 4,778.8 168.1 11,628.2 93,604.3 765.0 5,108.0 75,229.9 1,449.3 5,939.8 2,703.5 2,408.7 93,604.3 2H 77,602.5 1,698.9 725.9 83.7 3,207.3 5,715.8 213.1 12,523.5 95,944.1 842.9 5,208.3 78,108.3 1,450.8 4,950.0 2,878.7 2,505.2 95,944.1
2015 1H 75,924.2 1,598.6 701.2 45.6 1,889.9 4,235.3 266.2 12,562.3 93,017.5 714.8 4,966.2 74,790.6 1,476.2 4,887.2 2,890.4 3,292.1 93,017.5 2H 76,186.5 1,598.6 701.2 31.0 2,921.0 5,251.8 157.3 13,079.5 94,662.8 769.4 5,057.8 75,773.5 1,510.8 5,668.2 2,884.6 2,998.5 94,662.8
2016 1H 78,270.9 1,598.6 701.2 62.9 1,641.3 4,004.0 486.1 12,895.3 95,787.8 992.1 5,121.7 77,558.5 1,438.1 4,958.3 3,062.9 2,656.1 95,787.8
2013 1H 341.9 816.0 20.0 6.8 538.4 1,381.2 33.6 1,244.6 2,978.1 130.4 4.1 1,713.0 44.4 721.0 360.3 4.9 2,978.1 2H 308.5 816.0 20.0 0.6 526.1 1,362.7 28.3 1,268.2 2,973.9 130.5 4.7 1,770.8 44.6 685.3 330.9 7.1 2,973.9
2014 1H 333.9 816.0 20.0 (1.2) 667.1 1,501.9 27.0 1,323.3 3,106.7 131.4 4.6 1,872.7 45.3 664.3 386.2 2.2 3,106.7 2H 308.5 816.0 20.0 (2.1) 664.1 1,498.0 26.2 1,308.4 3,070.4 128.4 4.3 1,913.6 45.7 659.5 312.6 6.4 3,070.4
2015 1H 323 8 816 0 20 0 (1 5) 794 1 1 628 6 33 4 1 411 1 3 275 2 134 0 3 9 1 904 6 45 9 737 2 442 9 6 6 3 275 2
Penanggung Insurans Komposit Langsung/Composite Direct Insurers
Penanggung Insurans Semula Profesional/Professional Reinsurers
Aset Lain1/Other Assets 1Wang Tunai dan
Simpanan/Cash and Deposits
Liabiliti Lain/Other Liabilities
Akhir tempoh/End of period
Perniagaan dalam Malaysia/Business within Malaysia
4.2
Kumpulan Wang Insurans/Insurance Fund
Ekuiti Pemegang Syer/Shareholders' EquityRizab Penilaian Semula Aset/Assets Revaluation
Reserves
Penanggung Insurans Hayat Langsung/Life Direct Insurers
Penanggung Insurans Am Langsung/General Direct Insurers
Harta Benda Pelaburan/Investment
PropertiesAset Asing/Foreign Assets JUMLAH ASET/TOTAL
ASSETSJUMLAH LIABILITI/TOTAL
LIABILITIES
Harta Benda, Loji dan Kelengkapan/Property, Plant and Equipment
Pinjaman/Loans Pelaburan/Investments
2015 1H 323.8 816.0 20.0 (1.5) 794.1 1,628.6 33.4 1,411.1 3,275.2 134.0 3.9 1,904.6 45.9 737.2 442.9 6.6 3,275.2 2H 288.8 816.0 20.0 (1.1) 767.4 1,602.3 33.3 1,379.5 3,177.9 134.1 3.3 1,984.4 45.8 588.8 414.6 6.9 3,177.9
2016 1H 326.5 816.0 20.0 6.4 739.4 1,581.8 46.5 1,410.1 3,332.9 138.6 3.1 2,101.8 46.1 471.8 559.0 12.6 3,332.9
2013 1H 75,606.9 1,741.6 16.0 83.8 1,263.5 3,104.9 5,900.7 11,341.2 95,953.6 863.2 6,810.6 75,525.3 1,117.5 6,663.8 1,743.3 3,229.9 95,953.6 2H 76,753.2 1,741.6 16.0 65.4 1,734.8 3,557.9 6,171.0 12,278.7 98,760.8 946.8 7,041.5 78,329.4 1,025.9 6,049.5 1,757.5 3,610.2 98,760.8
2014 1H 80,443.9 1,741.6 16.0 71.8 1,443.0 3,272.4 6,034.5 12,917.2 102,668.1 888.2 7,192.5 80,588.4 1,040.6 6,817.3 1,853.7 4,287.3 102,668.1 2H 82,561.4 1,741.6 16.0 35.3 2,215.9 4,008.8 5,009.7 13,997.9 105,577.8 900.4 7,359.9 83,026.0 1,066.1 7,027.4 1,891.9 4,306.2 105,577.8
2015 1H 90,059.5 1,992.9 40.7 90.7 1,512.9 3,637.2 5,114.8 15,055.9 113,872.5 1,047.7 7,765.1 89,223.7 1,314.7 7,090.4 2,560.6 4,870.4 113,872.5 2H 91,780.0 1,992.9 40.7 77.9 2,270.5 4,382.0 4,634.0 15,883.4 116,679.4 1,092.9 7,883.0 91,283.7 1,382.5 6,794.4 2,378.7 5,864.3 116,679.4
2016 1H 95,704.1 2,047.9 40.7 105.2 1,647.9 3,841.7 4,652.1 16,369.8 120,567.8 1,103.4 8,068.4 92,142.5 1,397.7 9,332.7 2,664.2 5,858.9 120,567.8
2013 1H 4,534.4 3,473.6 1,668.4 202.2 4,017.0 9,361.2 70.0 10,575.7 25,184.4 542.3 83.7 13,417.1 93.6 6,779.4 4,093.1 175.0 25,184.4 2H 4,580.1 3,473.6 1,668.4 157.1 5,212.0 10,511.1 20.8 10,927.8 26,324.9 595.8 83.5 14,589.4 91.7 6,502.6 4,281.9 180.2 26,324.9
2014 1H 4,998.4 3,473.6 1,668.4 98.6 5,151.7 10,392.3 64.6 11,367.9 27,575.0 593.1 76.9 15,115.6 97.1 6,880.3 4,627.5 184.6 27,575.0 2H 4,958.7 3,517.7 1,668.4 61.3 6,404.2 11,651.7 62.4 11,636.1 28,537.8 655.3 74.1 15,717.9 97.3 7,115.0 4,688.1 190.3 28,537.8
2015 1H 5,447.1 3,637.6 1,668.4 55.4 6,008.4 11,369.9 108.0 12,587.3 30,271.9 687.0 70.5 16,822.1 93.6 6,826.8 5,509.3 262.4 30,271.9 2H 5,386.4 3,637.6 1,668.4 102.3 6,695.0 12,103.4 58.3 12,976.1 30,905.4 678.0 64.2 16,981.6 144.8 7,209.1 5,578.2 249.6 30,905.4
2016 1H 5,690.5 3,637.6 1,668.4 89.8 6,740.3 12,136.2 141.8 13,058.7 31,974.2 702.9 57.6 17,278.0 144.7 7,512.2 6,031.1 247.7 31,974.2
2013 1H 73,544.7 1,698.9 725.9 137.3 1,955.2 4,517.3 583.4 10,112.0 88,884.6 957.8 5,124.7 71,838.6 1,267.5 4,736.9 2,586.0 2,372.9 88,884.6 2H 74,369.2 1,698.9 725.9 100.6 2,700.7 5,226.1 242.7 10,695.9 90,548.5 737.5 5,080.5 72,943.4 1,577.9 5,201.6 2,283.4 2,724.2 90,548.5
2014 1H 77,147.5 1,698.9 725.9 85.0 2,269.0 4,778.8 165.1 11,805.7 94,002.1 765.0 5,108.0 75,229.9 1,449.3 5,939.8 2,703.5 2,806.5 94,002.1 2H 77,675.2 1,698.9 725.9 83.7 3,207.3 5,715.8 213.1 12,710.7 96,336.1 842.9 5,208.3 78,108.3 1,450.8 4,950.0 2,878.7 2,897.2 96,336.1
2015 1H 75,927.6 1,598.6 701.2 45.6 1,889.9 4,235.3 268.2 12,593.2 93,060.1 714.8 4,966.2 74,790.6 1,476.2 4,887.2 2,890.4 3,334.7 93,060.1 2H 76,190.2 1,598.6 701.2 31.0 2,921.0 5,251.8 157.3 13,109.6 94,707.4 769.4 5,057.8 75,773.5 1,510.8 5,668.2 2,884.6 3,043.0 94,707.4
2016 1H 78,278.1 1,598.6 701.2 62.9 1,641.3 4,004.0 485.4 12,926.7 95,834.3 992.1 5,121.7 77,558.5 1,438.1 4,958.3 3,062.9 2,702.5 95,834.3
2013 1H 432.3 816.0 20.0 6.8 538.4 1,381.2 33.8 1,923.2 3,820.9 130.4 4.1 1,794.7 44.4 1,150.9 603.7 92.7 3,820.9 2H 402.7 816.0 20.0 0.6 526.1 1,362.7 28.4 1,980.0 3,879.6 130.5 4.7 1,863.7 44.6 1,191.9 546.4 97.8 3,879.6
2014 1H 404.9 816.0 20.0 (1.2) 667.1 1,501.9 26.0 2,027.3 4,000.4 131.4 4.6 1,972.5 45.3 1,192.4 590.6 63.6 4,000.4 2H 409.2 816.0 20.0 (2.1) 664.1 1,498.0 23.1 1,977.9 3,975.6 128.4 4.3 2,028.4 45.7 1,176.2 500.1 92.4 3,975.6
2015 1H 422.0 816.0 20.0 (1.5) 794.1 1,628.6 30.4 2,026.2 4,135.2 134.0 3.9 2,049.6 45.9 1,187.1 653.2 61.5 4,135.2 2H 405.9 816.0 20.0 (1.1) 767.4 1,602.3 32.4 2,133.5 4,126.3 134.1 3.3 2,127.2 45.8 1,102.2 624.0 89.8 4,126.3
2016 1H 443.4 816.0 20.0 6.4 739.4 1,581.8 45.6 2,219.0 4,297.2 138.6 3.1 2,253.6 46.1 1,054.1 754.5 47.4 4,297.2
Penanggung Insurans Hayat Langsung/Life Direct Insurers
Penanggung Insurans Am Langsung/General Direct Insurers
Penanggung Insurans Komposit/Composite Direct Insurers
Penanggung Insurans Semula Profesional/Professional Reinsurers
Perniagaan Global/Global Business
1 Termasuk premium terkumpul dan lain-lain aset.
Sumber : Bank Negara Malaysia 1 Includes outstanding premiums and miscellaneous assets.
Source : Bank Negara Malaysia
80
Takaful: Aset dan Liabiliti Pengendali Takaful Ditubuhkan di MalaysiaTakaful: Assets and Liabilities of Malaysian-Incorporated Takaful Operators4.3 Takaful: Aset dan Liabiliti Pengendali Takaful Ditubuhkan di Malaysia
Takaful : Assets and Liabilities of Malaysian-Incorporated Takaful OperatorsRM juta/RM million
Modal Berbayar/Paid-up Capital
Akaun Premium Saham/Share Premium
Account Rizab/Reserves Keuntungan/(Kerugian)
Tertahan/Retained Profit/(Loss) Jumlah/Total
2011 1H 25.6 300.0 0.0 0.2 (17.4) 282.7 0.0 14.3 322.6 4.0 124.5 186.4 0.0 0.0 2.7 5.0 0.0 322.6 2H 56.7 300.0 0.0 2.7 (37.6) 265.0 0.0 34.9 356.7 8.0 98.7 228.1 0.0 0.0 8.3 13.6 0.0 356.7
2012 1H 123.3 400.0 0.0 5.3 (61.7) 343.6 0.1 56.6 523.6 21.0 87.6 374.6 0.0 0.0 11.0 29.3 0.1 523.6 2H 210.5 420.0 0.0 6.1 (91.0) 335.2 0.1 119.1 664.8 24.4 100.2 486.5 0.0 0.0 12.8 40.8 0.1 664.8
2013 1H 294.2 420.0 0.0 7.1 (105.9) 321.2 (0.3) 119.1 734.2 32.6 107.7 527.0 0.0 0.0 12.6 54.2 0.0 734.2 2H 377.5 420.0 0.0 2.6 (121.7) 300.9 (0.9) 167.7 845.3 48.0 132.2 570.8 0.0 0.0 11.7 82.7 0.0 845.3
2014 1H 434.4 353.3 0.0 (32.0) (99.1) 222.3 (0.1) 174.5 831.0 33.2 154.0 536.1 0.0 0.0 9.2 98.4 0.0 831.0 2H 559.8 353.3 0.0 (31.7) (99.2) 222.4 (1.6) 202.7 983.4 62.0 194.1 601.7 0.0 0.0 10.2 115.3 0.0 983.4
2015 1H 647.9 353.3 0.0 (30.4) (120.7) 202.2 (0.7) 244.0 1,093.4 82.7 139.8 735.8 0.0 0.0 10.6 124.5 0.0 1,093.4 2H 700.4 353.3 0.0 (31.1) (139.9) 182.3 0.5 284.5 1,167.8 87.1 148.7 803.7 0.0 0.0 14.2 114.0 0.0 1,167.8
2016 1H 844.2 383.3 0.0 (29.2) (159.0) 195.2 3.1 268.3 1,310.8 84.7 189.3 907.6 0.0 0.0 18.9 110.4 0.0 1,310.8
2011 1H 13,025.1 1,083.6 78.3 26.7 541.2 1,729.9 458.7 2,603.8 17,817.5 155.0 3,975.6 12,296.1 344.8 94.4 95.6 844.8 11.1 17,817.5
2H 13,581.8 1,016.7 145.3 24.9 734.5 1,921.4 324.1 2,874.3 18,701.5 248.9 3,750.5 13,406.0 350.3 76.6 92.0 768.5 8.5 18,701.5
2012 1H 14,782.2 1,016.7 145.3 25.6 823.2 2,010.7 268.8 3,130.3 20,192.0 267.5 3,226.7 15,213.4 348.8 61.6 92.0 973.3 8.7 20,192.0
2H 15,682.9 1,016.7 145.3 30.9 980.2 2,173.1 296.4 3,227.7 21,380.2 242.4 2,973.5 16,684.2 351.9 46.3 96.6 977.6 7.7 21,380.2
2013 1H 16,858.4 1,016.7 145.3 32.8 1,139.4 2,334.1 265.0 3,431.9 22,889.4 461.3 3,083.3 17,748.8 351.6 42.7 92.6 1,109.2 0.0 22,889.4
2H 17,463.5 1,316.7 145.3 (7.5) 1,298.7 2,753.1 54.3 3,470.6 23,741.5 460.7 2,951.4 18,867.3 352.7 33.9 86.3 989.3 0.0 23,741.5
2014 1H 18,618.6 1,316.7 145.3 (20.0) 1,380.3 2,822.2 (41.4) 4,029.5 25,428.9 366.5 2,980.0 20,190.3 347.3 32.0 105.6 1,407.2 0.0 25,428.9
2H 19,235.6 1,316.8 146.8 (19.9) 1,535.8 2,979.5 (124.8) 3,927.7 26,018.0 257.4 3,237.9 20,766.6 346.9 34.0 101.9 1,273.2 0.0 26,018.0
2015 1H 20,200.3 1,316.8 146.8 (3.1) 1,612.1 3,072.6 (120.7) 4,194.0 27,346.2 489.2 3,703.9 21,419.2 345.1 31.6 108.6 1,248.7 0.0 27,346.2
2H 20,567.1 1,317.0 148.0 (15.9) 1,840.1 3,289.2 (88.2) 4,417.9 28,185.9 306.1 4,154.1 22,018.2 350.1 29.1 112.9 1,215.3 0.1 28,185.9
2016 1H 21,605.0 1,317.9 152.4 15.8 1,885.4 3,371.5 0.6 4,809.4 29,786.5 421.3 4,646.3 22,848.0 358.8 25.6 114.8 1,371.5 0.1 29,786.5
4.3
Kumpulan Wang Takaful/Takaful Fund
Ekuiti Pemegang Syer/Shareholders' Equity
Rizab Penilaian Semula Aset/Assets Revaluation
Reserves
Liabiliti Lain/Other Liabilities Aset Asing/Foreign Assets
Harta Benda, Loji dan Kelengkapan/Property, Plant and Equipment
Akaun Pelaburan dan Pasaran Wang
Islam/Investment Accounts and Islamic Money Market
Pengendali Takaful Komposit Langsung/Composite Direct Takaful Operators
Perniagaan Global/Global Business
P d li T k f l K l L /F il Di t T k f l O t
JUMLAH LIABILITI/TOTAL LIABILITIES
Pelaburan Harta Benda/Investment
Properties
Pengendali Takaful Keluarga Langsung/Family Direct Takaful Operators
Pembiayaan/Financing JUMLAH ASET/TOTAL ASSETS
Perniagaan dalam Malaysia/Business within Malaysia
Wang Tunai dan Baki Bank/Cash and Bank
BalancesPelaburan/Investments Aset Lain/Other Assets
Akhir tempoh/End of period
2011 1H 25.6 300.0 0.0 0.2 (17.4) 282.7 0.0 14.3 322.6 4.0 124.5 186.4 0.0 0.0 2.7 5.0 0.0 322.6 2H 56.7 300.0 0.0 2.7 (37.6) 265.0 0.0 34.9 356.7 8.0 98.7 228.1 0.0 0.0 8.3 13.6 0.0 356.7
2012 1H 123.3 400.0 0.0 5.3 (61.7) 343.6 0.1 56.6 523.6 21.0 87.6 374.6 0.0 0.0 11.0 29.3 0.1 523.6 2H 210.5 420.0 0.0 6.1 (91.0) 335.2 0.1 119.1 664.8 24.4 100.2 486.5 0.0 0.0 12.8 40.8 0.1 664.8
2013 1H 294.2 420.0 0.0 7.1 (105.9) 321.2 (0.3) 119.1 734.2 32.6 107.7 527.0 0.0 0.0 12.6 54.2 0.0 734.2 2H 377.5 420.0 0.0 2.6 (121.7) 300.9 (0.9) 167.7 845.3 48.0 132.2 570.8 0.0 0.0 11.7 82.7 0.0 845.3
2014 1H 434.4 353.3 0.0 (32.0) (99.1) 222.3 (0.1) 174.5 831.0 33.2 154.0 536.1 0.0 0.0 9.2 98.4 0.0 831.0 2H 559.8 353.3 0.0 (31.7) (99.2) 222.4 (1.6) 202.7 983.4 62.0 194.1 601.7 0.0 0.0 10.2 115.3 0.0 983.4
2015 1H 647.9 353.3 0.0 (30.4) (120.7) 202.2 (0.7) 244.0 1,093.4 82.7 139.8 735.8 0.0 0.0 10.6 124.5 0.0 1,093.4 2H 700.4 353.3 0.0 (31.1) (139.9) 182.3 0.5 284.5 1,167.8 87.1 148.7 803.7 0.0 0.0 14.2 114.0 0.0 1,167.8
2016 1H 844.2 383.3 0.0 (29.2) (159.0) 195.2 3.1 268.3 1,310.8 84.7 189.3 907.6 0.0 0.0 18.9 110.4 0.0 1,310.8
2011 1H 13,025.3 1,083.6 78.3 26.7 541.2 1,729.9 458.7 2,603.7 17,817.5 155.0 3,975.6 12,296.1 344.8 94.4 95.6 844.9 11.1 17,817.5 2H 13,581.9 1,016.7 145.3 24.9 734.5 1,921.4 324.1 2,874.1 18,701.5 249.0 3,750.5 13,406.0 350.3 76.6 92.0 768.5 8.5 18,701.5
2012 1H 14,782.3 1,016.7 145.3 25.6 823.2 2,010.7 268.8 3,130.2 20,192.1 267.5 3,226.7 15,213.4 348.8 61.6 92.0 973.3 8.7 20,192.1 2H 15,683.1 1,016.7 145.3 30.9 980.2 2,173.1 296.4 3,227.5 21,380.2 242.4 2,973.5 16,684.2 351.9 46.3 96.6 977.6 7.7 21,380.2
2013 1H 16,858.6 1,016.7 145.3 32.8 1,139.4 2,334.1 265.0 3,431.7 22,889.5 461.3 3,083.3 17,748.8 351.6 42.7 92.6 1,109.2 0.0 22,889.5 2H 17,463.7 1,316.7 145.3 (7.5) 1,298.7 2,753.1 54.3 3,470.6 23,741.6 460.7 2,951.4 18,867.3 352.7 33.9 86.3 989.4 0.0 23,741.6
2014 1H 18,618.8 1,316.7 145.3 (20.0) 1,380.3 2,822.2 (41.4) 4,029.4 25,429.0 366.5 2,980.0 20,190.3 347.3 32.0 105.6 1,407.3 0.0 25,429.0 2H 19,235.7 1,316.8 146.8 (19.9) 1,535.8 2,979.5 (124.8) 3,927.6 26,018.1 257.4 3,237.9 20,766.6 346.9 34.0 101.9 1,273.3 0.0 26,018.1
2015 1H 20,200.4 1,316.8 146.8 (3.1) 1,612.1 3,072.6 (120.7) 4,194.0 27,346.3 489.2 3,703.9 21,419.2 345.1 31.6 108.6 1,248.8 0.0 27,346.3 2H 20,567.2 1,317.0 148.0 (15.9) 1,840.1 3,289.2 (88.2) 4,417.8 28,186.0 306.1 4,154.1 22,018.2 350.1 29.1 112.9 1,215.4 0.1 28,186.0
2016 1H 21,605.2 1,317.9 152.4 15.8 1,885.4 3,371.5 0.6 4,809.3 29,786.6 421.3 4,646.3 22,848.0 358.8 25.6 114.8 1,371.6 0.1 29,786.6
Pengendali Takaful Komposit Langsung/Composite Direct Takaful Operators
Pengendali Takaful Keluarga Langsung/Family Direct Takaful Operators
Sumber: Bank Negara Malaysia Source: Bank Negara Malaysia
81
Insurans Hayat: Perniagaan Baharu dan Perniagaan Berkuat Kuasa Penanggung Insurans LangsungLife Insurance: New Business and Business in Force of Direct Insurers4.6
Insurans Hayat1: Perniagaan Baharu dan Perniagaan Berkuat Kuasa Penanggung Insurans LangsungLife 1 Insurance: New Business and Business in Force of Direct Insurers
Tahunan/Annual Tunggal/Single Jumlah/Total
Unit/Unit Unit/Unit
2009 1H 663,476 125,542.1 1,353.7 1,982.5 3,336.2 11,664,625 784,771.7 16,489.72H 1,387,724 239,605.9 3,217.5 4,326.9 7,544.4 11,839,748 818,198.1 17,371.1
2010 1H 683,013 159,005.2 1,642.4 2,528.5 4,171.0 11,958,100 839,434.4 19,179.42H 1,426,280 274,776.8 3,745.9 4,651.1 8,397.1 11,464,489 881,935.9 19,295.7
2011 1H 733,576 159,283.0 1,795.3 2,140.9 3,936.2 11,609,208 913,277.7 20,026.52H 1,502,110 287,073.9 4,071.5 3,842.2 7,913.7 11,740,266 949,130.9 21,139.9
2012 1H 758,697 164,926.6 1,904.1 2,152.0 4,056.1 11,913,387 972,831.0 21,931.42H 1,488,799 290,430.3 4,152.7 4,048.3 8,201.0 12,077,513 1,021,906.9 23,076.5
2013 1H 685,416 168,884.9 1,801.1 2,140.3 3,941.4 12,193,321 1,055,245.6 23,764.72H 1,363,743 302,904.5 4,050.7 4,116.5 8,167.2 12,279,295 1,089,975.0 24,819.9
2014 1H 670,972 194,276.7 1,967.9 2,399.1 4,366.9 12,346,769 1,130,426.9 25,532.3
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/PeriodBilangan Polisi/No. of
Policies
Nilai Diinsuranskan/Sums
Insured
Premium Tahunan/Annual
Premium
Perniagaan Berkuat Kuasa/Business in Force
RM juta/RM million
4.6
Bilangan Polisi/No. of Policies
Nilai Diinsuranskan/Sums
Insured
Premium/Premium
Perniagaan Baharu/New Business
RM juta/RM million
, , , , , , , , , ,2H 1,367,856 353,900.1 4,237.5 4,711.8 8,949.3 12,455,928 1,165,339.8 26,569.0
2015 1H 661,422 222,248.0 1,974.0 2,482.2 4,456.2 12,505,208 1,208,217.9 27,335.72H 1,364,668 391,458.5 4,438.5 4,669.0 9,107.4 12,557,381 1,238,795.5 28,320.4
2016 1H 684,243 226,047.0 2,393.8 2,428.5 4,822.3 12,592,849 1,264,402.0 29,272.2
2009 1H 663,476 125,542.1 1,353.7 1,982.5 3,336.2 11,664,625 784,771.7 16,489.72H 1,387,724 239,605.9 3,217.5 4,326.9 7,544.4 11,839,748 818,198.1 17,371.1
2010 1H 683,013 159,005.2 1,642.4 2,528.5 4,171.0 11,958,100 839,434.4 19,179.42H 1,426,280 274,776.8 3,745.9 4,651.1 8,397.1 11,464,489 881,935.9 19,295.7
2011 1H 733,576 159,283.0 1,795.3 2,140.9 3,936.2 11,609,208 913,277.7 20,026.52H 1,502,110 287,073.9 4,071.5 3,842.2 7,913.7 11,740,266 949,130.9 21,139.9
2012 1H 758,697 164,926.6 1,904.1 2,152.0 4,056.1 11,913,387 972,831.0 21,931.42H 1,488,799 290,430.3 4,152.7 4,048.3 8,201.0 12,077,513 1,021,906.9 23,076.5
2013 1H 685,416 168,884.9 1,801.1 2,140.3 3,941.4 12,193,321 1,055,245.6 23,764.72H 1,363,743 302,904.5 4,050.7 4,116.5 8,167.2 12,279,295 1,089,975.0 24,819.9
2014 1H 670,972 194,276.7 1,967.9 2,399.1 4,366.9 12,346,769 1,130,426.9 25,532.32H 1,367,856 353,900.1 4,237.5 4,711.8 8,949.3 12,455,928 1,165,339.8 26,569.0
2015 1H 661,422 222,248.0 1,974.0 2,482.2 4,456.2 12,505,208 1,208,217.9 27,335.72H 1,364,668 391,458.5 4,438.5 4,669.0 9,107.4 12,557,381 1,238,795.5 28,320.4
2016 1H 684,243 226,047.0 2,393.8 2,428.5 4,822.3 12,592,849 1,264,402.0 29,272.2
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat.
Sumber: Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies.
Source: Bank Negara Malaysia
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat.
Sumber: Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies.
Source: Bank Negara Malaysia
82
Insurans Hayat: Agihan Premium Tahunan Berkuat Kuasa Penanggung Insurans LangsungLife Insurance: Distribution of Annual Premiums in Force of Direct Insurers4.6.5 Insurans Hayat1: Agihan Premium Tahunan Berkuat Kuasa Penanggung Insurans Langsung
Life 1 Insurance: Distribution of Annual Premiums in Force of Direct InsurersRM juta/RM million
Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total
2009 1H 5,409.5 0.9 5,410.4 3,120.4 22.7 3,143.1 427.5 53.2 480.7 2,345.9 371.1 2,717.0 4,733.3 5.2 4,738.5 16,036.6 453.1 16,489.7
2H 5,663.5 0.4 5,663.9 3,299.9 22.8 3,322.7 430.0 47.5 477.4 2,506.1 80.9 2,587.0 5,314.7 5.5 5,320.2 17,214.1 157.0 17,371.1
2010 1H 5,884.3 0.4 5,884.6 3,459.8 18.5 3,478.3 429.9 744.3 1,174.2 2,654.0 407.9 3,061.9 5,574.7 5.7 5,580.4 18,002.7 1,176.7 19,179.4
2H 5,999.4 0.4 5,999.7 3,759.1 17.1 3,776.2 432.7 55.0 487.7 2,740.9 108.4 2,849.3 6,176.9 5.8 6,182.7 19,109.0 186.7 19,295.7
2011 1H 6,113.9 0.3 6,114.3 4,043.8 17.7 4,061.5 424.7 53.1 477.8 2,816.1 114.6 2,930.7 6,436.3 5.9 6,442.3 19,834.9 191.6 20,026.5
2H 6,167.2 0.1 6,167.3 4,451.0 16.8 4,467.8 422.1 59.4 481.5 2,959.8 113.1 3,072.9 6,944.2 6.2 6,950.5 20,944.3 195.7 21,139.9
2012 1H 6,261.0 0.1 6,261.1 4,596.7 15.4 4,612.1 432.5 51.6 484.1 3,109.8 117.4 3,227.2 7,340.6 6.3 7,346.9 21,740.6 190.8 21,931.4
2H 6,315.4 0.0 6,315.4 4,914.5 13.7 4,928.2 428.8 54.0 482.8 3,237.3 127.6 3,364.8 7,973.2 6.5 7,979.7 22,869.1 201.8 23,071.0
2013 1H 6,344.5 0.0 6,344.5 5,107.9 12.5 5,120.4 427.0 55.8 482.7 3,262.2 123.0 3,385.1 8,418.0 6.5 8,424.5 23,559.5 197.7 23,757.2
2H 6,307.5 0.0 6,307.5 5,522.5 12.0 5,534.4 377.2 60.3 437.4 3,230.7 131.5 3,362.2 9,128.7 6.6 9,135.2 24,566.6 210.3 24,776.9
2014 1H 6,231.9 0.0 6,231.9 5,795.7 10.7 5,806.4 375.1 62.6 437.7 3,209.5 121.6 3,331.0 9,656.6 7.9 9,664.4 25,268.7 202.8 25,471.5
2H 6,150.4 0.0 6,150.4 6,059.3 10.4 6,069.7 372.4 63.1 435.5 3,207.4 136.5 3,343.9 10,492.9 8.0 10,500.9 26,282.3 218.0 26,500.4
2015 1H 6,062.8 0.0 6,062.8 6,202.9 9.7 6,212.6 378.2 59.5 437.7 3,306.7 140.5 3,447.2 11,098.2 7.9 11,106.1 27,048.8 217.6 27,266.4
2H 5,952.6 0.0 5,952.7 6,474.5 10.1 6,484.6 380.7 61.9 442.6 3,301.2 141.2 3,442.4 11,911.6 8.0 11,919.6 28,020.6 221.3 28,241.92016 1H 5 854 2 0 0 5 854 2 6 736 5 22 1 6 758 5 385 1 67 8 452 9 3 373 6 157 5 3 531 0 12 585 3 7 9 12 593 2 28 934 6 255 3 29 189 9
Lain-lain/OthersBerkaitan Pelaburan/Investment-Linked
Perniagaan dalam Malaysia/Business within Malaysia
Akhir tempoh/End of period
4.6.5
Jumlah/TotalHayat Biasa/Ordinary Life
Seumur Hidup/Whole Life Endowmen/Endowment sem*ntara/Temporary
2016 1H 5,854.2 0.0 5,854.2 6,736.5 22.1 6,758.5 385.1 67.8 452.9 3,373.6 157.5 3,531.0 12,585.3 7.9 12,593.2 28,934.6 255.3 29,189.9
2009 1H 5,409.5 0.9 5,410.4 3,120.4 22.7 3,143.1 427.5 53.2 480.7 2,345.9 371.1 2,717.0 4,733.3 5.2 4,738.5 16,036.6 453.1 16,489.7
2H 5,663.5 0.4 5,663.9 3,299.9 22.8 3,322.7 430.0 47.5 477.4 2,506.1 80.9 2,587.0 5,314.7 5.5 5,320.2 17,214.1 157.0 17,371.1
2010 1H 5,884.3 0.4 5,884.6 3,459.8 18.5 3,478.3 429.9 744.3 1,174.2 2,654.0 407.9 3,061.9 5,574.7 5.7 5,580.4 18,002.7 1,176.7 19,179.4
2H 5,999.4 0.4 5,999.7 3,759.1 17.1 3,776.2 432.7 55.0 487.7 2,740.9 108.4 2,849.3 6,176.9 5.8 6,182.7 19,109.0 186.7 19,295.7
2011 1H 6,113.9 0.3 6,114.3 4,043.8 17.7 4,061.5 424.7 53.1 477.8 2,816.1 114.6 2,930.7 6,436.3 5.9 6,442.3 19,834.9 191.6 20,026.5
2H 6,167.2 0.1 6,167.3 4,451.0 16.8 4,467.8 422.1 59.4 481.5 2,959.8 113.1 3,072.9 6,944.2 6.2 6,950.5 20,944.3 195.7 21,139.9
2012 1H 6,261.0 0.1 6,261.1 4,596.7 15.4 4,612.1 432.5 51.6 484.1 3,109.8 117.4 3,227.2 7,340.6 6.3 7,346.9 21,740.6 190.8 21,931.4
2H 6,315.4 0.0 6,315.4 4,914.5 13.7 4,928.2 428.8 54.0 482.8 3,237.3 127.6 3,364.8 7,973.2 6.5 7,979.7 22,869.1 201.8 23,071.0
2013 1H 6,344.5 0.0 6,344.5 5,107.9 12.5 5,120.4 427.0 55.8 482.7 3,262.2 123.0 3,385.1 8,418.0 6.5 8,424.5 23,559.5 197.7 23,757.2
2H 6,307.5 0.0 6,307.5 5,522.5 12.0 5,534.4 377.2 60.3 437.4 3,230.7 131.5 3,362.2 9,128.7 6.6 9,135.2 24,566.6 210.3 24,776.9
2014 1H 6,231.9 0.0 6,231.9 5,795.7 10.7 5,806.4 375.1 62.6 437.7 3,209.5 121.6 3,331.0 9,656.6 7.9 9,664.4 25,268.7 202.8 25,471.5
2H 6,150.4 0.0 6,150.4 6,059.3 10.4 6,069.7 372.4 63.1 435.5 3,207.4 136.5 3,343.9 10,492.9 8.0 10,500.9 26,282.3 218.0 26,500.4
2015 1H 6,062.8 0.0 6,062.8 6,202.9 9.7 6,212.6 378.2 59.5 437.7 3,306.7 140.5 3,447.2 11,098.2 7.9 11,106.1 27,048.8 217.6 27,266.4
2H 5,952.6 0.0 5,952.7 6,474.5 10.1 6,484.6 380.7 61.9 442.6 3,301.2 141.2 3,442.4 11,911.6 8.0 11,919.6 28,020.6 221.3 28,241.9
2016 1H 5,854.2 0.0 5,854.2 6,736.5 22.1 6,758.5 385.1 67.8 452.9 3,373.6 157.5 3,531.0 12,585.3 7.9 12,593.2 28,934.6 255.3 29,189.9
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat.
Sumber : Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies.
Source : Bank Negara Malaysia
83
Insurans Hayat: Penamatan Premium Tahunan Penanggung Insurans LangsungLife Insurance: Terminations of Annual Premiums of Direct Insurers4.6.8 Insurans Hayat1: Penamatan Premium Tahunan Penanggung Insurans LangsungLife 1 Insurance: Terminations of Annual Premiums of Direct Insurers
RM juta/RM million
Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total
2009 1H 11.5 0.0 11.6 28.0 0.2 28.2 220.6 1.0 221.6 205.3 0.5 205.8 249.8 7.6 257.4 715.3 9.4 724.6
2H 23.1 0.1 23.1 69.3 0.4 69.7 432.4 2.2 434.5 397.8 1.0 398.8 478.1 9.6 487.6 1,400.6 13.2 1,413.7
2010 1H 11.9 0.0 11.9 35.3 0.3 35.6 229.0 0.7 229.7 226.6 0.6 227.2 377.0 8.3 385.3 879.7 10.0 889.7
2H 24.1 0.1 24.1 82.9 0.5 83.4 471.5 1.6 473.2 496.4 1.1 497.5 797.0 19.7 816.7 1,871.9 23.0 1,894.9
2011 1H 12.7 0.0 12.7 34.5 0.2 34.7 278.4 0.9 279.3 216.4 0.3 216.7 504.4 2.8 507.2 1,046.3 4.2 1,050.6
2H 26.2 0.1 26.3 78.7 0.4 79.1 569.1 2.3 571.4 452.6 0.6 453.2 1,010.1 12.7 1,022.7 2,136.6 16.1 2,152.7
2012 1H 15.0 0.0 15.1 76.8 0.4 77.2 328.2 1.0 329.3 239.9 0.0 239.9 446.2 9.6 455.7 1,106.1 11.1 1,117.2
2H 30.0 0.1 30.1 145.0 0.6 145.6 660.2 2.5 662.6 504.4 0.4 504.8 882.7 17.2 899.9 2,222.3 20.7 2,243.0
2013 1H 14.7 0.1 14.8 34.9 0.3 35.2 352.8 1.4 354.2 271.5 0.3 271.9 424.5 8.3 432.8 1,098.4 10.5 1,108.9
2H 30.4 0.2 30.6 78.6 0.7 79.3 731.6 2.7 734.3 543.0 1.1 544.1 899.4 20.4 919.8 2,283.1 24.9 2,308.0
2014 1H 16.3 0.0 16.3 37.9 0.3 38.3 545.8 1.0 546.8 119.6 1.1 120.8 501.8 11.0 512.7 1,221.5 13.5 1,234.9
2H 33.0 0.1 33.1 84.9 0.5 85.4 1,137.2 2.2 1,139.4 190.6 3.1 193.7 1,093.1 26.7 1,119.8 2,538.8 32.6 2,571.4
Lain-lain/Others
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/Period
Jumlah/Total
4.6.8Kematian/Death Cukup Tempoh/Maturity Serahan/Surrender Perlucutan Hak tolak Pengaktifan
Semula/Forfeiture less Revivals
2H 33.0 0.1 33.1 84.9 0.5 85.4 1,137.2 2.2 1,139.4 190.6 3.1 193.7 1,093.1 26.7 1,119.8 2,538.8 32.6 2,571.4
2015 1H 18.2 0.0 18.2 42.7 0.2 43.0 648.4 1.0 649.4 130.8 2.2 133.0 498.4 17.5 515.9 1,338.5 21.0 1,359.5
2H 37.9 0.1 38.0 89.6 0.4 90.0 1,355.0 2.3 1,357.3 195.7 3.7 199.4 1,028.4 32.5 1,060.9 2,706.7 39.0 2,745.7
2016 1H 22.0 0.1 22.1 38.7 0.7 39.4 729.2 1.4 730.6 129.2 2.6 131.9 516.6 (9.7) 506.9 1,435.7 (4.8) 1,430.8
2009 1H 11.5 0.0 11.6 28.0 0.2 28.2 220.6 1.0 221.6 205.3 0.5 205.8 249.8 7.6 257.4 715.3 9.4 724.6
2H 23.1 0.1 23.1 69.3 0.4 69.7 432.4 2.2 434.5 397.8 1.0 398.8 478.1 9.6 487.6 1,400.6 13.2 1,413.7
2010 1H 11.9 0.0 11.9 35.3 0.3 35.6 229.0 0.7 229.7 226.6 0.6 227.2 377.0 8.3 385.3 879.7 10.0 889.7
2H 24.1 0.1 24.1 82.9 0.5 83.4 471.5 1.6 473.2 496.4 1.1 497.5 797.0 19.7 816.7 1,871.9 23.0 1,894.9
2011 1H 12.7 0.0 12.7 34.5 0.2 34.7 278.4 0.9 279.3 216.4 0.3 216.7 504.4 2.8 507.2 1,046.3 4.2 1,050.6
2H 26.2 0.1 26.3 78.7 0.4 79.1 569.1 2.3 571.4 452.6 0.6 453.2 1,010.1 12.7 1,022.7 2,136.6 16.1 2,152.7
2012 1H 15.0 0.0 15.1 76.8 0.4 77.2 328.2 1.0 329.3 239.9 0.0 239.9 446.2 9.6 455.7 1,106.1 11.1 1,117.2
2H 30.0 0.1 30.1 145.0 0.6 145.6 660.2 2.5 662.6 504.4 0.4 504.8 882.7 17.2 899.9 2,222.3 20.7 2,243.0
2013 1H 14.7 0.1 14.8 34.9 0.3 35.2 352.8 1.4 354.2 271.5 0.3 271.9 424.5 8.3 432.8 1,098.4 10.5 1,108.9
2H 30.4 0.2 30.6 78.6 0.7 79.3 731.6 2.7 734.3 543.0 1.1 544.1 899.4 20.4 919.8 2,283.1 24.9 2,308.0
2014 1H 16.3 0.0 16.3 37.9 0.3 38.3 545.8 1.0 546.8 119.6 1.1 120.8 501.8 11.0 512.7 1,221.5 13.5 1,234.9
2H 33.0 0.1 33.1 84.9 0.5 85.4 1,137.2 2.2 1,139.4 190.6 3.1 193.7 1,093.1 26.7 1,119.8 2,538.8 32.6 2,571.4
2015 1H 18.2 0.0 18.2 42.7 0.2 43.0 648.4 1.0 649.4 130.8 2.2 133.0 498.4 17.5 515.9 1,338.5 21.0 1,359.5
2H 37.9 0.1 38.0 89.6 0.4 90.0 1,355.0 2.3 1,357.3 195.7 3.7 199.4 1,028.4 32.5 1,060.9 2,706.7 39.0 2,745.7
2016 1H 22.0 0.1 22.1 38.7 0.7 39.4 729.2 1.4 730.6 129.2 2.6 131.9 516.6 (9.7) 506.9 1,435.7 (4.8) 1,430.8
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat.
Sumber: Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies.
Source: Bank Negara Malaysia
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat.
Sumber: Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies.
Source: Bank Negara Malaysia
84
Insurans Hayat: Pendapatan dan PerbelanjaanLife Insurance: Income and Outgo4.6.aInsurans Hayat1: Pendapatan dan PerbelanjaanLife 1 Insurance: Income and Outgo
RM juta/RM million
Pendapatan Premium/Premium Income
Pendapatan Pelaburan Bersih/Net Investment
Income
Keuntungan atas Jualan Aset dan Pendapatan Pelbagai/Profit on Sale
of Assets and Miscellaneous Income
Jumlah/Total Faedah Polisi
Bersih/Net Policy Benefits
Imbuhan Agensi/Agency Remuneration
Perbelanjaan Pengurusan/Management
Expenses
Kerugian dari Pelupusan Aset dan Perbelanjaan Lain/Loss on Disposal of Assets and
Other Outgo
Jumlah/Total
2009 1H 9,046.2 2,358.7 2,552.2 13,957.1 5,615.4 1,374.5 826.1 1,575.6 9,391.7 4,565.4
2H 19,831.3 4,926.5 4,910.2 29,667.9 11,838.5 2,933.6 1,645.6 1,914.1 18,331.7 11,336.2
2010 1H 10,485.7 2,544.5 1,742.6 14,772.7 6,222.4 1,541.6 922.2 779.9 9,466.2 5,306.5
2H 21,804.7 5,448.6 5,165.0 32,418.4 13,023.4 3,229.3 1,849.2 1,133.3 19,235.1 13,183.2
2011 1H 10,890.0 2,943.2 2,306.1 16,139.4 6,510.7 1,604.1 1,037.2 616.2 9,768.1 6,371.2
2H 22,815.8 6,037.5 4,204.9 33,058.2 13,994.3 3,360.3 2,088.9 2,068.0 21,511.5 11,546.6
2012 1H 11,875.5 3,280.1 2,590.0 17,745.6 7,148.8 1,716.4 1,105.6 711.3 10,682.0 7,063.7
2H 24,929.0 6,704.0 6,087.8 37,720.7 14,312.6 3,526.5 2,283.2 1,447.1 21,569.4 16,151.4
2013 1H 12,397.8 3,499.3 3,036.9 18,934.0 7,303.3 1,761.9 1,198.7 1,294.6 11,558.5 7,375.4
2H 26,369.1 7,205.2 5,456.2 39,030.4 16,328.1 3,631.1 2,478.0 4,939.1 27,376.3 11,654.1
2014 1H 13,694.7 3,710.3 1,899.8 19,304.8 8,376.2 1,834.6 1,311.1 973.3 12,495.2 6,809.7
2H 28,725.4 7,619.6 3,230.6 39,575.6 17,957.7 3,802.5 2,621.1 2,998.2 27,379.5 12,196.1
2015 1H 14,274.2 3,982.8 2,513.3 20,770.4 9,819.4 1,870.3 1,420.7 1,411.6 14,522.0 6,248.4
2H 29,889.8 8,053.8 2,979.5 40,923.0 20,474.0 3,859.9 2,987.6 3,037.6 30,359.1 10,563.9
2016 1H 15,167.5 4,169.2 3,342.7 22,679.4 10,580.8 1,936.3 1,524.7 2,198.5 16,240.3 6,439.1
2009 1H 9,064.2 2,359.1 2,552.2 13,975.5 5,618.4 1,383.8 831.1 1,575.8 9,409.1 4,566.4
2H 19,870.1 4,927.3 4,910.2 29,707.7 11,857.3 2,944.4 1,648.6 1,914.7 18,365.0 11,342.6
2010 1H 10,504.7 2,545.0 1,742.6 14,792.2 6,225.2 1,548.6 924.7 781.5 9,480.0 5,312.3
2H 21,854.2 5,449.8 5,165.3 32,469.3 13,035.4 3,248.3 1,852.4 1,135.8 19,271.8 13,197.5
2011 1H 10,919.3 2,944.1 2,306.2 16,169.7 6,519.3 1,619.2 1,039.5 616.5 9,794.5 6,375.2
2H 22,877.7 6,039.5 4,205.2 33,122.4 14,015.5 3,384.1 2,092.9 2,068.4 21,560.9 11,561.4
2012 1H 11,904.8 3,281.3 2,590.3 17,776.5 7,159.1 1,727.4 1,107.9 711.5 10,705.9 7,070.6
2H 25,005.7 6,706.8 6,087.8 37,800.3 14,342.4 3,551.9 2,287.6 1,447.9 21,629.8 16,170.5
2013 1H 12,437.0 3,500.7 3,037.5 18,975.2 7,307.6 1,780.9 1,207.5 1,294.9 11,590.8 7,384.4
2H 26,458.1 7,208.4 5,457.8 39,124.2 16,357.7 3,667.9 2,481.8 4,939.7 27,447.1 11,677.1
2014 1H 13,740.8 3,711.9 1,899.8 19,352.5 8,410.4 1,852.2 1,313.6 974.6 12,550.8 6,801.8
2H 28,824.8 7,623.2 3,234.3 39,682.3 17,997.2 3,837.0 2,626.5 2,999.0 27,459.8 12,222.6
2015 1H 14,338.0 3,984.1 2,519.8 20,841.9 9,844.2 1,886.6 1,423.2 1,411.8 14,565.8 6,276.1
2H 30,041.2 8,057.0 3,002.4 41,100.5 20,541.3 3,899.6 2,994.6 3,038.8 30,474.4 10,626.1
2016 1H 15,236.2 4,170.9 3,342.9 22,749.9 10,624.2 1,952.3 1,527.5 2,208.5 16,312.5 6,437.4
4.6.aPendapatan/Income Perbelanjaan/Outgo
Tempoh/Period
Perniagaan Global/Global Business
Perniagaan dalam Malaysia/Business within Malaysia
Lebihan Pendapatan daripada Perbelanjaan/Excess of Income
over Outgo
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat.
Sumber: Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies.
Source: Bank Negara Malaysia
85
Insurans Hayat: Aset Kumpulan Wang Insurans HayatLife Insurance: Assets of Life Insurance Funds4.6.b Insurans Hayat1: Aset Kumpulan Wang Insurans Hayat
Life 1 Insurance: Assets of Life Insurance FundsRM juta/RM million
Kertas & Pinjaman Dijamin Kerajaan
Malaysia/Malaysia Government Papers &
Guaranteed Loans
Sekuriti & Hutang Korporat/Corporate Debt & Securities
Lain-lain/Others Jumlah/Total Gadai Janji/Mortgages Polisi/Policy Lain-lain/Others Jumlah/Total
2009 1H 12,117.3 18,094.3 64,585.5 2,436.1 85,115.9 2,509.8 4,020.1 7,347.3 537.6 11,905.0 1,607.2 2,116.0 2,619.8 117,990.9
2H 11,528.0 18,416.1 72,205.0 2,418.3 93,039.5 2,555.5 3,737.6 7,516.8 333.7 11,588.1 1,630.3 2,097.3 3,386.2 125,824.8
2010 1H 10,931.4 18,898.5 77,230.1 2,711.7 98,840.3 2,525.2 3,264.6 7,645.0 281.0 11,190.7 1,612.1 2,227.2 3,626.7 130,953.4
2H 9,167.8 20,970.1 86,050.5 2,923.9 109,944.5 2,479.9 2,888.4 7,711.2 270.6 10,870.2 1,660.5 2,593.7 4,741.6 141,458.3
2011 1H 11,812.4 20,419.0 89,301.9 2,850.8 112,571.6 2,466.8 2,894.9 7,799.6 193.9 10,888.4 1,649.8 2,672.0 5,206.0 147,267.0
2H 15,344.3 24,765.1 86,808.1 2,772.9 114,346.0 2,291.3 2,833.3 7,890.6 176.3 10,900.2 1,640.2 2,639.5 4,768.3 151,929.8
2012 1H 11,299.5 25,200.9 95,252.7 2,974.9 123,428.5 2,281.5 2,809.4 7,992.5 152.3 10,954.2 1,664.5 3,157.9 5,590.1 158,376.4
2H 10,308.3 24,452.8 103,894.4 5,350.8 133,698.1 2,344.0 3,317.1 8,127.6 142.1 11,586.9 1,612.9 2,985.9 4,791.4 167,327.5
2013 1H 10,305.4 23,914.6 108,764.6 6,411.5 139,090.7 2,293.6 3,531.5 8,198.0 140.3 11,869.9 1,611.5 3,201.8 5,184.2 173,557.0
2H 10,417.6 24,537.3 112,610.3 5,976.4 143,124.0 2,442.3 3,663.7 8,245.3 137.0 12,046.0 1,554.3 3,192.3 5,861.0 178,637.6
2014 1H 11,644.3 23,013.6 118,215.0 5,834.0 147,062.6 2,328.5 3,757.5 8,319.0 139.3 12,215.8 1,568.6 3,376.1 6,602.3 184,798.0
2H 11,186.4 22,893.3 123,204.6 6,163.3 152,261.2 2,355.0 3,887.9 8,457.5 138.3 12,483.7 1,648.1 3,550.3 6,759.3 190,244.0
2015 1H 11,052.8 22,344.0 126,862.2 6,416.8 155,623.0 2,357.8 3,968.3 8,538.5 137.9 12,644.7 1,663.3 4,208.1 8,048.6 195,598.3
2H 11,377.5 22,881.1 130,043.0 6,276.6 159,200.6 2,460.0 4,133.6 8,581.5 132.1 12,847.2 1,749.6 4,146.9 8,739.4 200,521.2
4.6.bPinjaman/LoansPelaburan/Investments
Perniagaan dalam Malaysia/Business within Malaysia
Akhir tempoh/End of period
Wang Tunai dan Baki Bank/Cash and Bank
Balances
Pelaburan Harta Benda/Investment
Properties
Harta Benda, Loji dan Kelengkapan/Property, Plant and Equipment
Aset Lain2/Other Assets 2
Aset Asing/Foreign Assets JUMLAH/TOTAL
2016 1H 12,974.4 22,869.0 133,571.2 5,275.3 161,715.6 2,402.6 4,388.0 8,571.2 130.9 13,090.1 1,978.5 4,494.5 8,444.8 205,100.5
2009 1H 12,144.6 18,115.2 64,585.5 2,436.1 85,136.8 2,509.8 4,020.1 7,347.3 537.6 11,905.0 1,607.2 2,127.3 2,619.8 118,050.4
2H 11,555.0 18,440.9 72,205.0 2,418.3 93,064.2 2,555.5 3,737.6 7,516.8 333.7 11,588.1 1,630.3 2,111.3 3,386.2 125,890.6
2010 1H 10,956.8 18,927.5 77,230.1 2,711.7 98,869.3 2,525.2 3,264.6 7,645.0 281.0 11,190.7 1,612.1 2,239.8 3,626.7 131,020.4
2H 9,184.0 21,015.4 86,050.5 2,923.9 109,989.8 2,479.9 2,888.4 7,711.2 270.6 10,870.2 1,660.5 2,609.0 4,741.6 141,535.1
2011 1H 11,824.6 20,471.2 89,301.9 2,850.8 112,623.9 2,466.8 2,894.9 7,799.6 193.9 10,888.4 1,649.8 2,688.7 5,206.0 147,348.2
2H 15,364.5 24,826.3 86,808.1 2,772.9 114,407.2 2,291.3 2,833.3 7,890.6 176.3 10,900.2 1,640.2 2,656.4 4,768.3 152,028.0
2012 1H 11,316.9 25,268.5 95,252.7 2,974.9 123,496.2 2,281.5 2,809.4 7,992.5 152.3 10,954.2 1,664.5 3,175.7 5,590.1 158,479.2
2H 10,344.1 24,520.1 103,894.4 5,350.8 133,765.4 2,344.0 3,317.1 8,127.6 142.1 11,586.9 1,612.9 3,011.7 4,791.4 167,456.4
2013 1H 10,337.8 23,984.8 108,764.6 6,411.5 139,160.9 2,293.6 3,531.5 8,198.0 140.3 11,869.9 1,611.5 3,227.8 5,184.2 173,685.6
2H 10,460.1 24,617.3 112,610.3 5,976.4 143,204.0 2,442.3 3,663.7 8,245.3 137.0 12,046.0 1,554.3 3,222.8 5,861.0 178,790.5
2014 1H 11,686.6 23,097.9 118,215.0 5,834.0 147,146.9 2,328.5 3,757.5 8,319.0 139.3 12,215.8 1,568.6 3,393.5 6,602.3 184,942.0
2H 11,249.0 22,977.1 123,204.6 6,163.3 152,345.0 2,355.0 3,887.9 8,457.5 138.3 12,483.7 1,648.1 3,588.6 6,759.3 190,428.8
2015 1H 11,078.7 22,380.8 126,862.2 6,416.8 155,659.7 2,357.8 3,968.3 8,538.5 137.9 12,644.7 1,663.3 4,255.0 8,135.9 195,795.1
2H 11,424.0 22,917.5 130,043.0 6,276.6 159,237.0 2,460.0 4,133.6 8,581.5 132.1 12,847.2 1,749.6 4,209.9 8,850.8 200,778.6
2016 1H 13,002.2 22,905.4 133,571.2 5,285.3 161,762.0 2,402.6 4,388.0 8,571.2 130.9 13,090.1 1,978.5 4,540.1 8,568.9 205,344.4
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan insurans hayat yang dikendalikan oleh penanggung insurans komposit dan hayat. 2 Termasuk premium terkumpul dan lain-lain aset.
Sumber: Bank Negara Malaysia
1 Refers to life insurance business undertaken by composite and life insurance companies. 2 Includes outstanding premiums and miscellaneous assets.
Source: Bank Negara Malaysia
86
Insurans Am: Agihan Premium Langsung KasarGeneral Insurance: Distribution of Gross Direct Premiums4.7.1 Insurans Am1: Agihan Premium Langsung Kasar General 1 Insurance: Distribution of Gross Direct Premiums
RM juta/RM million
2011 1H 783.2 230.2 1,233.9 1,035.9 312.7 2,835.3 3,148.0 236.9 87.5 336.6 7,092.2
2H 1,412.5 488.2 2,240.1 1,930.1 638.0 5,679.1 6,317.1 414.1 170.5 632.2 13,604.9
2012 1H 892.4 265.0 1,287.3 1,117.0 383.8 2,982.7 3,366.4 277.3 104.5 353.1 7,663.1
2H 1,478.5 567.6 2,410.0 2,030.1 788.0 6,057.6 6,845.6 465.0 204.7 690.8 14,692.2
2013 1H 865.6 261.0 1,374.4 1,160.8 427.9 3,243.1 3,671.0 270.5 126.6 393.6 8,123.4
2H 1,452.2 601.4 2,622.4 2,129.5 913.4 6,537.4 7,450.8 463.8 232.5 772.6 15,725.2
2014 1H 865.4 266.0 1,443.1 1,250.4 480.4 3,489.1 3,969.4 310.1 126.8 416.1 8,647.4
2H 1 585 3 629 2 2 773 6 2 255 2 984 2 6 878 0 7 862 2 516 9 240 1 815 3 16 677 7
JUMLAH/TOTAL
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/Period
Marin, Udara dan Transit/Marine,
Aviation and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire
Perbelanjaan Perubatan dan Kemalangan Diri/Medical
Expenses and Personal Accident
Motor/Motor
Liabiliti/Liability
4.7.1
Jumlah/Total
Pampasan Pekerja dan Liabiliti
Majikan/Workmen's Compensation and Employers' Liability
Perlindungan 'Akta'/'Act' Cover
Pelbagai/Miscellaneous
Lain-lain/Others
2H 1,585.3 629.2 2,773.6 2,255.2 984.2 6,878.0 7,862.2 516.9 240.1 815.3 16,677.7
2015 1H 927.5 256.8 1,518.1 1,260.9 530.3 3,533.2 4,063.4 297.5 120.6 442.5 8,887.2
2H 1,631.9 631.7 2,943.8 2,246.5 1,056.9 6,981.0 8,037.9 527.9 231.6 837.1 17,088.5
2016 1H 908.4 320.7 1,646.8 1,273.5 570.7 3,524.6 4,095.3 319.1 116.2 440.2 9,120.3
2011 1H 786.7 232.3 1,245.1 1,044.2 313.1 2,862.9 3,176.0 241.6 106.8 356.6 7,189.3
2H 1,418.8 492.3 2,261.8 1,944.9 638.8 5,730.1 6,368.8 423.3 207.0 677.3 13,794.3
2012 1H 897.1 267.4 1,300.1 1,126.3 384.2 3,005.6 3,389.8 281.9 122.2 374.6 7,759.4
2H 1,488.1 571.7 2,434.7 2,044.7 788.7 6,099.8 6,888.5 473.5 238.6 734.0 14,873.7
2013 1H 872.0 262.1 1,390.4 1,166.8 428.5 3,263.3 3,691.8 274.6 144.3 413.0 8,214.9
2H 1,465.3 605.2 2,654.7 2,139.5 914.5 6,576.1 7,490.6 473.2 268.8 813.7 15,911.0
2014 1H 872.5 269.3 1,459.7 1,256.8 480.7 3,509.4 3,990.1 314.6 149.3 441.6 8,753.9
2H 1,596.2 635.6 2,807.6 2,265.8 984.2 6,927.4 7,911.6 531.4 284.3 863.5 16,896.0
2015 1H 929.6 259.2 1,532.2 1,265.8 530.3 3,561.0 4,091.2 301.1 138.2 462.2 8,979.4
2H 1,634.9 635.2 2,960.5 2,252.5 1,056.9 7,026.4 8,083.3 534.0 256.1 869.3 17,225.9
2016 1H 909.1 321.2 1,648.4 1,278.7 570.7 3,536.6 4,107.3 320.9 123.1 453.8 9,162.5
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan insurans am yang dikendalikan penanggung insurans komposit dan am. 1 Refers to general insurance business undertaken by composite and general insurance companies.
S B k N M l i
1 Merujuk kepada perniagaan insurans am yang dikendalikan penanggung insurans komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general insurance business undertaken by composite and general insurance companies.
Source: Bank Negara Malaysia
87
Insurans Am: Nisbah TuntutanGeneral Insurance: Claims Ratio4.7.10
Insurans Am1: Nisbah Tuntutan2
General 1 Insurance: Claims Ratio 2
2011 1H 41.4 31.1 41.5 47.3 287.3 53.0 74.3 47.3 16.6 65.8 60.9
2H 39.7 27.6 38.3 43.4 301.0 53.1 76.3 37.3 15.0 56.5 60.2
2012 1H 39.2 66.9 34.4 42.7 234.6 52.1 74.5 20.4 16.5 45.0 58.3
2H 34.5 61.1 33.4 40.7 248.2 52.7 72.4 24.7 13.2 44.0 56.7
2013 1H 31.8 93.2 35.1 39.6 221.0 55.1 74.3 21.4 15.4 34.3 57.9
2H 31.4 57.4 33.7 37.8 199.6 55.4 72.8 25.6 12.0 35.9 56.2
2014 1H 38.5 47.3 29.1 42.5 316.7 51.7 76.2 20.3 11.7 47.4 58.3
2H 41.5 51.5 37.2 42.5 209.6 52.1 71.1 26.0 9.6 46.4 57.2
2015 1H 35.2 123.6 25.5 36.2 219.7 53.1 74.0 33.2 12.3 47.1 57.1
2H 42.2 76.5 34.6 39.7 209.2 51.7 71.3 20.0 9.7 47.8 57.2
2016 1H 33.7 50.3 35.2 45.3 123.0 57.6 66.1 45.2 13.7 38.9 54.4
2011 1H 48.2 23.2 46.1 47.2 291.4 53.3 74.8 44.5 34.4 64.0 61.2
2H 50.0 27.4 78.2 43.6 302.8 53.6 76.7 36.6 27.1 54.9 66.6
2012 1H 47.3 58.9 44.1 41.9 234.5 52.5 74.4 20.0 28.4 40.6 58.7
2H 43.1 53.4 43.2 40.0 247.9 53.4 72.8 25.6 21.2 46.0 57.4
2013 1H 38.8 84.3 43.5 41.5 223.2 54.8 73.8 22.8 23.7 26.6 58.2
2H 38.1 54.9 47.5 39.3 199.3 55.4 72.3 27.7 22.0 31.8 57.4
2014 1H 41.7 52.8 35.9 40.7 316.0 51.6 75.0 22.0 20.0 58.4 58.0
2H 47.0 54.2 46.9 42.5 209.2 53.3 71.4 27.2 19.2 47.9 58.4
2015 1H 47.3 100.1 35.9 37.8 219.7 53.8 73.6 34.2 19.8 54.8 58.3
2H 58.3 74.8 52.9 42.2 209.1 53.0 71.6 23.4 16.4 59.3 61.1
2016 1H 40.5 60.7 36.6 45.8 123.0 60.1 67.9 32.7 13.7 49.9 55.5
%
Pelbagai/MiscellaneousPerlindungan
'Akta'/'Act' Cover Lain-lain/Others Jumlah/Total
Motor/Motor
Liabiliti/Liability
Pampasan Pekerja dan Liabiliti
Majikan/Workmen's Compensation and Employers' Liability
Perniagaan Global/Global Business
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
4.7.10
Marin, Udara dan Transit/Marine,
Aviation and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire
Perniagaan dalam Malaysia/Business within Malaysia
JUMLAH/TOTALAkhir tempoh/End of period
%
1 Refers to general insurance business undertaken by composite and general insurance companies. 2 Net claims incurred as a ratio of earned premium income.
Source: Bank Negara Malaysia
1 Merujuk kepada perniagaan insurans am yang dikendalikan oleh penanggung insurans komposit dan am. 2 Tuntutan bersih kena dibayar sebagai nisbah pendapatan premium diperoleh.
Sumber: Bank Negara Malaysia
88
Insurans Am: Pendapatan Premium DiperolehGeneral Insurance: Earned Premium Income4.7.14 Insurans Am1: Pendapatan Premium Diperoleh General 1 Insurance: Earned Premium Income
RM juta/RM million
2011 1H 238.8 101.8 785.6 811.6 257.7 2,578.6 2,836.3 91.9 81.7 215.4 5,163.0
2H 473.6 215.7 1,550.8 1,674.6 541.4 5,233.0 5,774.4 210.1 166.0 436.0 10,501.2
2012 1H 266.1 137.5 791.4 923.7 367.9 2,635.2 3,003.1 121.0 92.5 233.1 5,568.3
2H 484.7 279.5 1,614.5 1,828.1 626.2 5,583.8 6,210.0 236.1 188.4 488.1 11,329.4
2013 1H 240.5 136.0 898.1 955.6 389.0 2,973.4 3,362.5 170.6 112.8 206.3 6,082.3
2H 475.6 307.3 1,803.0 1,960.1 845.9 6,157.3 7,003.2 292.2 222.5 496.2 12,559.9
2014 1H 240.0 152.0 985.0 1,018.9 334.1 3,281.3 3,615.4 133.3 122.0 281.1 6,547.7
2H 465.8 320.1 1,944.6 2,036.6 902.9 6,580.1 7,483.0 264.8 233.8 555.4 13,304.2
2015 1H 241.4 119.6 1,012.0 1,210.8 483.8 3,371.9 3,855.7 133.3 108.6 286.9 6,968.2
2H 479.4 308.0 2,075.7 2,156.8 972.5 6,845.0 7,817.5 246.7 217.3 557.5 13,859.0
2016 1H 234.0 158.4 1,057.1 1,067.9 509.4 3,401.0 3,910.4 102.0 108.0 303.8 6,941.7
2011 1H 280.0 138.0 979.2 828.7 258.3 2,610.9 2,869.2 99.8 97.8 248.9 5,541.72H 572.1 290.4 1,877.4 1,708.3 542.2 5,297.9 5,840.1 221.0 201.0 526.4 11,236.9
2012 1H 336.9 180.3 1,034.5 959.2 368.1 2,692.3 3,060.4 126.7 108.6 258.9 6,065.42H 643.3 370.9 2,183.7 1,896.9 627.2 5,660.6 6,287.8 246.7 220.7 568.7 12,418.7
2013 1H 318.9 179.9 1,138.4 978.5 389.2 3,059.3 3,448.5 175.5 130.3 272.4 6,642.42H 635.8 409.2 2,323.1 2,025.2 846.8 6,376.2 7,223.1 297.9 254.9 652.1 13,821.3
2014 1H 324.1 207.9 1,335.8 1,065.1 334.9 3,461.8 3,796.7 138.5 142.7 325.8 7,336.62H 626.6 433.0 2,632.8 2,184.0 904.4 6,876.3 7,780.6 273.9 274.2 680.6 14,885.6
2015 1H 322.1 184.9 1,385.4 1,277.0 483.8 3,579.1 4,062.9 137.7 123.6 346.9 7,840.52H 645.4 439.4 2,825.0 2,359.3 973.0 7,193.4 8,166.4 256.2 243.2 698.9 15,633.8
2016 1H 298.8 217.7 1,399.4 1,182.6 509.4 3,606.1 4,115.5 128.4 113.7 379.4 7,835.5
4.7.14
Marin, Udara dan Transit/Marine, Aviation
and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/PeriodPelbagai/Miscellaneous JUMLAH/TOTAL
Motor/Motor
Jumlah/Total Liabiliti/Liability
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Perniagaan Global/Global Business
Perlindungan 'Akta'/'Act' Cover Lain-lain/Others
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
1 Merujuk kepada perniagaan insurans am yang dikendalikan penanggung insurans komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general insurance business undertaken by composite and general insurance companies.
Source: Bank Negara Malaysia
89
Insurans Am: Tuntutan Bersih DibayarGeneral Insurance: Net Claims Paid
4.7.19 Insurans Am1: Tuntutan Bersih Dibayar General Insurance 1 : Net Claims Paid
RM juta/RM million
2011 1H 99.6 68.3 240.4 355.0 692.3 1,403.7 2,096.0 34.7 12.6 97.8 3,004.5
2H 187.2 106.7 505.9 723.5 1,356.7 2,731.2 4,087.9 63.7 25.3 204.5 5,904.7
2012 1H 87.1 59.2 264.9 346.1 542.2 1,422.5 1,964.7 33.4 13.1 106.4 2,874.7
2H 156.0 116.9 491.6 709.5 1,134.3 2,830.3 3,964.6 71.5 25.9 210.3 5,746.1
2013 1H 88.4 61.9 235.4 359.1 635.9 1,532.8 2,168.6 31.1 11.3 108.1 3,063.9
2H 164.2 107.3 507.4 724.9 1,254.2 3,192.8 4,447.0 56.5 24.0 227.7 6,258.9
2014 1H 106.1 58.9 277.4 389.8 620.0 1,690.1 2,310.1 35.1 11.2 122.0 3,310.5
2H 189.6 143.5 569.2 836.8 1,288.9 3,381.8 4,670.7 67.8 23.8 246.7 6,748.1
2015 1H 97.6 67.4 292.6 400.4 583.7 1,621.0 2,204.7 25.3 11.5 135.3 3,234.7
2H 199.9 152.5 594.8 833.4 1,226.8 3,396.9 4,623.6 48.8 26.9 265.1 6,745.0
2016 1H 74.5 74.4 374.0 452.0 692.2 1,963.0 2,655.2 31.8 13.2 112.6 3,787.6
2011 1H 128.5 79.1 331.8 357.0 692.5 1,430.0 2,122.5 36.7 29.7 104.9 3,190.2
2H 254.3 128.2 802.0 741.2 1,356.9 2,791.6 4,148.5 68.0 54.7 234.4 6,431.3
2012 1H 115.5 78.4 482.8 348.3 542.2 1,446.7 1,988.9 34.3 26.0 133.0 3,207.2
2H 226.4 147.5 838.6 726.9 1,134.1 2,885.8 4,019.9 74.7 48.0 259.5 6,341.4
2013 1H 115.5 74.4 392.9 366.4 635.9 1,562.3 2,198.1 32.4 19.2 121.0 3,319.9
2H 252.3 139.4 920.8 740.3 1,254.6 3,265.8 4,520.4 60.9 41.4 276.4 6,951.8
2014 1H 144.0 79.1 509.8 396.3 620.0 1,760.3 2,380.3 37.2 21.4 179.9 3,748.0
2H 279.2 187.1 1,087.5 892.1 1,288.9 3,563.3 4,852.1 72.1 45.4 331.8 7,747.4
2015 1H 148.5 90.3 664.8 423.9 583.7 1,680.4 2,264.1 27.4 18.3 159.0 3,796.3
2H 320.4 200.3 1,193.9 917.8 1,226.8 3,625.5 4,852.3 52.8 38.0 348.2 7,923.6
2016 1H 121.8 101.7 554.9 516.0 692.2 2,095.9 2,788.1 32.4 16.3 215.4 4,346.5
Pampasan Pekerja dan Liabiliti
Majikan/Workmen's Compensation and Employers' Liability
4.7.19
Marin, Udara dan Transit/Marine,
Aviation and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire
Perniagaan dalam Malaysia/Business within Malaysia
Pelbagai/Miscellaneous JUMLAH/TOTALTempoh/Period
Perniagaan Global/Global Business
Perlindungan 'Akta'/'Act' Cover Lain-lain/Others
Perbelanjaan Perubatan dan Kemalangan Diri/Medical Expenses and Personal
Accident
Liabiliti/Liability Jumlah/Total
Motor/Motor
1 Merujuk kepada perniagaan insurans am yang dikendalikan penanggung insurans komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general insurance business undertaken by composite and general insurance companies.
Source: Bank Negara Malaysia
90
Insurans Am: Tuntutan Bersih Kena DibayarGeneral Insurance: Net Claims Incurred4.7.20
Insurans Am1: Tuntutan Bersih Kena DibayarGeneral 1 Insurance: Net Claims Incurred
RM juta/RM million
2011 1H 98.8 31.7 326.3 383.7 740.2 1,366.4 2,106.6 43.4 13.5 141.6 3,145.6
2H 188.0 59.5 594.1 726.1 1,629.4 2,777.9 4,407.3 78.4 24.8 246.3 6,324.5
2012 1H 104.3 92.0 272.1 394.0 863.2 1,373.5 2,236.7 24.6 15.3 105.0 3,244.0
2H 167.2 170.9 539.5 744.6 1,554.0 2,945.0 4,499.1 58.2 24.8 214.8 6,419.0
2013 1H 76.4 126.7 314.9 378.8 859.9 1,637.2 2,497.1 36.6 17.4 70.8 3,518.8
2H 149.5 176.5 608.2 740.3 1,688.4 3,412.3 5,100.7 74.8 26.7 178.0 7,054.7
2014 1H 92.4 71.9 287.0 433.3 1,058.1 1,697.6 2,755.7 27.0 14.3 133.3 3,814.8
2H 193.2 164.8 723.0 866.1 1,892.2 3,426.1 5,318.3 68.9 22.6 257.5 7,614.4
2015 1H 85.1 147.8 258.3 438.8 1,063.1 1,790.6 2,853.7 44.3 13.4 135.1 3,976.4
2H 202.1 235.7 719.1 856.3 2,034.9 3,535.8 5,570.6 49.4 21.1 266.3 7,920.7
2016 1H 79.0 79.7 372.6 484.0 626.5 1,958.7 2,585.3 46.1 14.8 118.1 3,779.5
2011 1H 135.0 32.0 451.1 391.2 752.6 1,392.8 2,145.5 44.4 33.6 159.4 3,392.22H 286.3 79.6 1,467.7 744.2 1,641.7 2,840.0 4,481.7 80.8 54.4 288.8 7,483.5
2012 1H 159.4 106.2 456.3 401.8 863.2 1,414.7 2,278.0 25.3 30.8 105.2 3,563.12H 276.9 198.0 944.4 759.7 1,555.1 3,021.3 4,576.4 63.1 46.7 261.6 7,126.8
2013 1H 123.6 151.6 495.6 405.9 868.6 1,675.6 2,544.2 40.0 30.9 72.6 3,864.42H 242.4 224.8 1,104.5 796.8 1,687.5 3,532.5 5,220.0 82.4 56.1 207.3 7,934.2
2014 1H 135.3 109.8 479.0 433.6 1,058.1 1,787.6 2,845.7 30.5 28.6 190.3 4,252.82H 294.5 234.9 1,233.8 927.2 1,892.2 3,663.8 5,556.0 74.4 52.8 326.0 8,699.6
2015 1H 152.2 185.1 496.7 483.1 1,063.1 1,925.4 2,988.4 47.1 24.5 190.2 4,567.42H 376.2 328.7 1,493.4 995.8 2,034.9 3,810.1 5,844.9 60.0 39.8 414.4 9,553.3
2016 1H 121.1 132.1 512.9 542.1 626.6 2,168.4 2,795.0 41.9 15.6 189.2 4,350.0
Perniagaan Global/Global Business
Perlindungan 'Akta'/'Act' Cover Lain-lain/Others
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
Liabiliti/Liability Jumlah/Total
Motor/Motor
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
4.7.20
Marin, Udara dan Transit/Marine,
Aviation and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire
Perniagaan dalam Malaysia/Business within Malaysia
Pelbagai/Miscellaneous JUMLAH/TOTALTempoh/Period
1 Merujuk kepada perniagaan insurans am yang dikendalikan penanggung insurans komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general insurance business undertaken by composite and general insurance companies.
Source: Bank Negara Malaysia
91
Insurans Am: Keputusan Pengunderaitan dan KendalianGeneral Insurance: Underwriting and Operating Results4.7.a Insurans Am1: Keputusan Pengunderaitan dan KendalianGeneral 1 Insurance: Underwriting and Operating Results
RM juta/RM million
2011 1H 5,163.0 3,145.6 573.4 956.6 487.4 419.9 54.9 75.0 13.7 39.4 984.1
2H 10,501.2 6,324.5 1,164.4 1,933.2 1,079.1 885.3 101.4 159.8 19.3 107.9 2,098.6
2012 1H 5,568.3 3,244.0 607.4 1,065.5 651.5 453.3 98.3 77.0 2.9 76.1 1,201.2
2H 11,329.4 6,419.0 1,322.7 2,161.4 1,426.3 921.7 183.4 159.1 4.1 184.6 2,501.7
2013 1H 6,082.3 3,518.8 711.5 1,153.4 698.6 472.0 80.3 106.2 7.9 73.1 1,276.2
2H 12,559.9 7,054.7 1,479.4 2,406.1 1,619.8 956.4 136.3 203.6 15.4 128.7 2,772.0
2014 1H 6,547.7 3,814.8 763.3 1,194.8 774.9 483.4 67.7 69.3 14.9 64.7 1,315.6
2H 13,304.2 7,614.4 1,537.6 2,566.7 1,585.6 1,003.4 111.1 158.9 32.8 112.9 2,713.3
2015 1H 6,968.2 3,976.4 785.5 1,387.2 819.1 532.9 64.5 79.7 17.6 272.7 1,205.8
2H 13 859 0 7 920 7 1 560 7 2 859 6 1 518 0 1 099 0 95 4 170 4 36 5 342 6 2 503 6
Perbelanjaan Lain/Other Outgo
KeuntunganKendalian/Operating
Profit
PendapatanLain/Other Income
Tuntutan Bersih Kena Dibayar/Net Claims
Incurred Komisen/Commissions
Perbelanjaan Pengurusan2/Management
Expenses 2
4.7.a
KeuntunganPengunderaitan/Underwriting
Profit
KeuntunganPelaburan/Investment
Income
KeuntunganModal/Capital
Gains
Pendapatan Premium Diperoleh/Earned Premium Income
Tempoh/Period
Perniagaan dalam Malaysia/Business within Malaysia
Kerugian Modal/Capital
Losses
2H 13,859.0 7,920.7 1,560.7 2,859.6 1,518.0 1,099.0 95.4 170.4 36.5 342.6 2,503.6
2016 1H 6,941.7 3,779.5 771.9 1,495.0 895.3 584.1 39.7 93.5 17.3 75.2 1,520.0
2011 1H 5,541.7 3,392.2 667.2 985.5 496.8 437.8 54.9 79.4 14.1 56.3 998.6
2H 11,236.9 7,483.5 1,374.3 1,990.2 388.9 924.6 101.8 187.5 19.3 123.9 1,459.7
2012 1H 6,065.4 3,563.1 736.9 1,096.6 668.8 475.9 99.0 87.7 3.0 87.7 1,240.8
2H 12,418.7 7,126.8 1,587.4 2,220.2 1,484.2 970.1 191.3 171.6 4.3 224.0 2,588.8
2013 1H 6,642.4 3,864.4 855.5 1,186.1 736.4 501.6 83.6 118.1 8.0 87.0 1,344.7
2H 13,821.3 7,934.2 1,789.8 2,477.1 1,620.1 1,015.7 141.2 235.9 16.3 155.5 2,841.1
2014 1H 7,336.6 4,252.8 958.9 1,240.9 884.0 514.2 68.7 74.3 15.8 88.8 1,436.7
2H 14,885.6 8,699.6 1,963.4 2,656.4 1,566.3 1,063.9 113.0 230.9 35.5 140.3 2,798.3
2015 1H 7,840.5 4,567.4 1,031.9 1,427.4 813.8 559.7 66.1 160.3 17.8 286.4 1,295.7
2H 15,633.8 9,553.3 2,015.6 2,929.3 1,135.6 1,152.8 97.1 389.8 36.8 360.8 2,377.7
2016 1H 7,835.5 4,350.0 1,080.1 1,553.0 852.5 613.1 67.3 109.6 17.3 180.1 1,445.0
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan insurans am yang dikendalikan oleh penanggung insurans komposit dan am. 2 Jumlah menunjukkan perbelanjaan yang ditanggung oleh kumpulan wang insurans am dan termasuk hutang lapuk dan ragu bersih.
Sumber: Bank Negara Malaysia
1 Refers to general insurance business undertaken by composite and general insurance companies. 2 Figures reflect expenses borne by general insurance funds and inclusive of net bad and doubtful debts.
Source: Bank Negara Malaysia
92
Insurans Am: Aset Kumpulan Wang Insurans AmGeneral Insurance: Assets of General Insurance Funds4.7.b Insurans Am1: Aset Kumpulan Wang Insurans Am
General 1 Insurance: Assets of General Insurance FundsRM juta/RM million
Kertas dan Pinjaman Dijamin Kerajaan Malaysia/Malaysia
Government Papers and Guaranteed Loans
Sekuriti dan Hutang Korporat/Corporate Debt and
SecuritiesLain-lain/Others Jumlah/Total
2011 1H 7,779.7 2,088.2 4,701.7 6,824.3 2,507.2 14,033.2 213.3 99.8 728.5 971.1 73.4 25,987.2
2H 7,511.6 1,928.0 5,174.8 6,852.2 2,800.4 14,827.5 174.8 90.2 715.6 1,079.4 59.0 26,386.1
2012 1H 7,665.7 2,167.3 5,400.3 6,458.1 3,467.4 15,325.7 167.8 108.5 749.2 1,081.2 56.1 27,321.4
2H 7,109.2 2,102.8 5,591.2 6,960.4 4,325.5 16,877.1 146.0 101.3 688.2 1,105.8 49.1 28,179.6
2013 1H 7,252.0 2,468.4 5,528.1 7,050.3 4,959.1 17,537.5 149.7 91.7 720.9 1,400.9 33.3 29,654.5
2H 6,842.0 2,064.0 5,908.4 7,064.0 5,888.4 18,860.8 148.0 91.5 781.7 1,736.6 45.6 30,570.3
2014 1H 7,200.3 2,495.9 6,081.5 7,305.7 5,977.2 19,364.4 153.7 83.8 779.8 1,856.2 24.8 31,958.9
2H 7,402.5 2,368.3 6,279.7 7,377.0 6,421.6 20,078.3 154.4 80.1 852.4 2,070.2 32.4 33,038.6
2015 1H 7,071.0 3,178.3 6,275.9 7,046.2 7,175.1 20,497.3 151.0 75.6 893.9 2,137.4 125.3 34,130.0
2H 7,308.6 2,899.5 6,231.7 6,923.9 7,865.1 21,020.8 200.4 68.5 836.6 2,421.0 89.4 34,844.8
2016 1H 7,754.7 3,317.9 5,841.1 7,183.7 8,187.2 21,211.9 200.4 61.1 871.6 2,568.7 78.0 36,064.4
2011 1H 8,276.5 2,262.6 5,182.6 6,917.5 2,507.2 14,607.3 213.3 99.8 728.5 1,055.9 620.1 27,864.1
2H 8,029.8 2,080.5 6,239.0 6,955.1 2,800.4 15,994.4 174.8 90.2 715.6 1,182.7 638.4 28,906.6
2012 1H 8,137.0 2,562.7 6,377.6 6,558.4 3,467.4 16,403.4 167.8 108.5 749.2 1,195.7 665.1 29,989.4
2H 7,715.4 2,421.3 6,561.2 7,066.0 4,325.9 17,953.1 146.0 101.3 688.2 1,264.7 706.4 30,996.5
2013 1H 7,911.9 2,878.9 6,492.9 7,152.4 4,959.3 18,604.6 149.7 91.7 720.9 1,623.7 743.6 32,725.0
2H 7,635.7 2,469.6 6,826.0 7,179.6 5,889.3 19,894.9 148.0 91.5 781.7 1,999.5 823.2 33,844.2
2014 1H 7,986.4 2,976.9 7,139.8 7,427.8 5,978.5 20,546.0 153.7 83.8 779.8 2,164.9 721.2 35,412.7
2H 7,989.1 2,842.3 7,045.4 7,514.4 6,423.3 20,983.1 154.4 80.1 852.4 2,416.2 1,084.4 36,402.0
2015 1H 7,661.8 3,813.0 6,843.3 7,177.8 7,213.4 21,234.5 151.0 75.6 893.9 2,479.2 968.8 37,277.7
2H 7,966.9 3,484.9 6,819.3 7,053.1 7,903.3 21,775.7 200.4 68.5 836.6 2,753.8 1,193.2 38,280.0
2016 1H 8,440.2 3,878.0 6,453.4 7,315.3 8,225.6 21,994.3 200.4 61.1 871.6 2,903.8 1,173.1 39,522.5
4.7.b
Harta Benda, Loji dan Kelengkapan/Property, Plant
and Equipment Pinjaman/Loans
Pelaburan/Investments
Pelaburan Harta Benda /Investment
Properties
Perniagaan dalam Malaysia/Business within Malaysia
Akhir tempoh/End of period
Aset Lain2/Other Assets 2 Aset Asing/Foreign Assets
JUMLAH/TOTAL
Perniagaan Global/Global Business
Wang Tunai dan Baki Bank/Cash and Bank
Balances
Amaun tertunggak daripada pelanggan/pengantara/ penanggung insurans
semula/Amount due from clients/ intermediaries/
reinsurers
1 Merujuk kepada perniagaan insurans am yang dikendalikan oleh penanggung insurans komposit dan am. 2 Termasuk premium terkumpul dan lain-lain aset.
Sumber: Bank Negara Malaysia
1 Refers to general insurance business undertaken by composite and general insurance companies. 2 Includes outstanding premiums and miscellaneous assets.
Source: Bank Negara Malaysia
93
Takaful Keluarga: Perniagaan Baharu dan Perniagaan Berkuat KuasaFamily Takaful: New Business and Business in Force4.8 Takaful Keluarga1: Perniagaan Baharu dan Perniagaan Berkuat Kuasa
Family 1 Takaful: New Business and Business in Force
Tunggal/Single Tahunan/Annual Jumlah/Total
Unit/Unit Unit/Unit
2011 1H 467,140 99,364.6 1,030.5 290.5 1,321.0 3,460,300 373,562.0 1,934.8
2H 884,360 226,384.7 2,103.5 591.6 2,695.1 3,649,328 401,830.0 2,138.7
2012 1H 407,649 107,317.1 1,310.1 330.2 1,640.2 3,691,281 415,794.7 2,194.1
2H 884,269 226,968.3 2,825.0 649.5 3,474.5 3,851,734 441,839.4 2,357.2
2013 1H 491,952 167,093.3 1,662.0 348.7 2,010.8 4,046,585 451,014.6 2,507.7
2H 836,836 245,563.6 2,858.3 705.2 3,563.5 4,171,066 494,083.6 2,655.5
2014 1H 314,730 109,880.7 1,406.1 378.8 1,785.0 4,269,067 532,814.9 2,932.9
2H 632,844 207,209.6 2,728.2 772.1 3,500.3 4,389,883 575,470.3 2,990.4
2015 1H 335,292 107,754.7 1,445.7 439.5 1,885.2 4,490,108 584,670.2 3,165.5
RM juta/RM million
Perniagaan Baharu/New Business* Perniagaan Berkuat Kuasa/Business in Force**
4.8
Bilangan Sijil/No. of Certificates
Jumlah Penyertaan/Sum Participated
Caruman/Contributions Bilangan Sijil/No. of Certificates
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/Period & Akhir tempoh/End of period Jumlah Penyertaan/Sum
Participated Caruman/Contributions
RM juta/RM million
2015 1H 335,292 107,754.7 1,445.7 439.5 1,885.2 4,490,108 584,670.2 3,165.5
2H 660,459 213,239.1 2,743.3 895.1 3,638.4 4,577,388 613,172.9 3,369.6
2016 1H 358,949 173,258.2 1,538.4 532.4 2,070.8 4,547,148 626,278.5 3,603.6
2011 1H 467,140 99,364.6 1,030.5 290.5 1,321.0 3,460,300 373,562.0 1,934.8
2H 884,360 226,384.7 2,103.5 591.6 2,695.1 3,649,328 401,830.0 2,138.7
2012 1H 407,649 107,317.1 1,310.1 330.2 1,640.2 3,691,281 415,794.7 2,194.1
2H 884,269 226,968.3 2,825.0 649.5 3,474.5 3,851,734 441,839.4 2,357.2
2013 1H 491,952 167,093.3 1,662.0 348.7 2,010.8 4,046,585 451,014.6 2,507.7
2H 836,836 245,563.6 2,858.3 705.2 3,563.5 4,171,066 494,083.6 2,655.5
2014 1H 314,730 109,880.7 1,406.1 378.8 1,785.0 4,269,067 532,814.9 2,932.9
2H 632,844 207,209.6 2,728.2 772.1 3,500.3 4,389,883 575,470.3 2,990.4
2015 1H 335,292 107,754.7 1,445.7 439.5 1,885.2 4,490,108 584,670.2 3,165.5
2H 660,459 213,239.1 2,743.3 895.1 3,638.4 4,577,388 613,172.9 3,369.6
2016 1H 358,949 173,258.2 1,538.4 532.4 2,070.8 4,547,148 626,278.5 3,603.6
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber: Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operators.
Source: Bank Negara Malaysia
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber: Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operators.
Source: Bank Negara Malaysia
94
Takaful Keluarga: Caruman bagi Perniagaan Baharu mengikut PelanFamily Takaful: Contributions of New Business by Plan4.8.3Takaful Keluarga1: Caruman bagi Perniagaan Baharu Mengikut Pelan
Family 1 Takaful: Contributions of New Business by PlanRM juta/RM million
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
Tunggal/ Single
Tahunan/ Annual
Jumlah/ Total
2011 1H 471.9 135.1 607.0 449.7 9.9 459.6 921.6 145.1 1,066.6 108.9 145.5 254.4 0.0 0.0 0.0 108.9 145.5 254.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 580.8 280.6 861.4 449.7 9.9 459.6 1,030.5 290.5 1,321.02H 925.5 252.3 1,177.8 994.2 18.0 1,012.2 1,919.7 270.3 2,190.0 183.9 321.3 505.2 0.0 0.0 0.0 183.9 321.3 505.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,109.3 573.6 1,683.0 994.2 18.0 1,012.2 2,103.5 591.6 2,695.1
2012 1H 533.3 129.2 662.5 692.2 9.2 701.4 1,225.6 138.3 1,363.9 84.5 191.9 276.3 0.0 0.0 0.0 84.5 191.9 276.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 617.8 321.0 938.8 692.2 9.2 701.4 1,310.1 330.2 1,640.22H 1,290.6 232.3 1,523.0 1,416.0 30.7 1,446.7 2,706.6 263.1 2,969.7 118.3 386.4 504.7 0.0 0.0 0.0 118.3 386.4 504.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,409.0 618.7 2,027.7 1,416.0 30.7 1,446.7 2,825.0 649.5 3,474.5
2013 1H 664.4 136.2 800.6 960.7 25.7 986.4 1,625.1 162.0 1,787.0 37.0 186.8 223.7 0.0 0.0 0.0 37.0 186.8 223.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 701.4 323.0 1,024.4 960.7 25.7 986.4 1,662.0 348.7 2,010.82H 1,080.2 261.6 1,341.7 1,665.4 46.9 1,712.4 2,745.6 308.5 3,054.1 112.7 396.7 509.4 0.0 0.0 0.0 112.7 396.7 509.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,192.9 658.3 1,851.1 1,665.4 46.9 1,712.4 2,858.3 705.2 3,563.5
2014 1H 376.8 120.3 497.1 882.6 10.8 893.4 1,259.4 131.1 1,390.5 146.8 247.7 394.5 0.0 0.0 0.0 146.8 247.7 394.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 523.5 368.1 891.6 882.6 10.8 893.4 1,406.1 378.8 1,785.02H 808.6 221.0 1,029.7 1,649.4 18.6 1,668.1 2,458.1 239.7 2,697.8 270.1 532.1 802.2 0.0 0.3 0.3 270.1 532.4 802.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,078.8 753.1 1,831.9 1,649.4 19.0 1,668.4 2,728.2 772.1 3,500.3
2015 1H 483.9 113.1 597.0 907.5 5.9 913.4 1,391.4 119.0 1,510.4 54.3 319.9 374.2 0.0 0.6 0.6 54.3 320.5 374.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 538.3 432.9 971.2 907.5 6.5 914.0 1,445.7 439.5 1,885.22H 958.5 222.1 1,180.6 1,690.2 11.6 1,701.8 2,648.7 233.7 2,882.4 94.6 660.1 754.7 0.0 1.3 1.3 94.6 661.4 756.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,053.1 882.2 1,935.3 1,690.2 12.9 1,703.1 2,743.3 895.1 3,638.4
2016 1H 455.5 129.2 584.6 1,043.7 7.9 1,051.5 1,499.1 137.0 1,636.1 39.3 395.1 434.4 0.0 0.3 0.3 39.3 395.4 434.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 494.8 524.3 1,019.0 1,043.7 8.1 1,051.8 1,538.4 532.4 2,070.8
2011 1H 471.9 135.1 607.0 449.7 9.9 459.6 921.6 145.1 1,066.6 108.9 145.5 254.4 0.0 0.0 0.0 108.9 145.5 254.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 580.8 280.6 861.4 449.7 9.9 459.6 1,030.5 290.5 1,321.02H 925.5 252.3 1,177.8 994.2 18.0 1,012.2 1,919.7 270.3 2,190.0 183.9 321.3 505.2 0.0 0.0 0.0 183.9 321.3 505.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,109.3 573.6 1,683.0 994.2 18.0 1,012.2 2,103.5 591.6 2,695.1
2012 1H 533.3 129.2 662.5 692.2 9.2 701.4 1,225.6 138.3 1,363.9 84.5 191.9 276.3 0.0 0.0 0.0 84.5 191.9 276.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 617.8 321.0 938.8 692.2 9.2 701.4 1,310.1 330.2 1,640.22H 1,290.6 232.3 1,523.0 1,416.0 30.7 1,446.7 2,706.6 263.1 2,969.7 118.3 386.4 504.7 0.0 0.0 0.0 118.3 386.4 504.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,409.0 618.7 2,027.7 1,416.0 30.7 1,446.7 2,825.0 649.5 3,474.5
2013 1H 664.4 136.2 800.6 960.7 25.7 986.4 1,625.1 162.0 1,787.0 37.0 186.8 223.7 0.0 0.0 0.0 37.0 186.8 223.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 701.4 323.0 1,024.4 960.7 25.7 986.4 1,662.0 348.7 2,010.82H 1,080.2 261.6 1,341.7 1,665.4 46.9 1,712.4 2,745.6 308.5 3,054.1 112.7 396.7 509.4 0.0 0.0 0.0 112.7 396.7 509.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,192.9 658.3 1,851.1 1,665.4 46.9 1,712.4 2,858.3 705.2 3,563.5
2014 1H 376.8 120.3 497.1 882.6 10.8 893.4 1,259.4 131.1 1,390.5 146.8 247.7 394.5 0.0 0.0 0.0 146.8 247.7 394.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 523.5 368.1 891.6 882.6 10.8 893.4 1,406.1 378.8 1,785.02H 808.6 221.0 1,029.7 1,649.4 18.6 1,668.1 2,458.1 239.7 2,697.8 270.1 532.1 802.2 0.0 0.3 0.3 270.1 532.4 802.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,078.8 753.1 1,831.9 1,649.4 19.0 1,668.4 2,728.2 772.1 3,500.3
2015 1H 483.9 113.1 597.0 907.5 5.9 913.4 1,391.4 119.0 1,510.4 54.3 319.9 374.2 0.0 0.6 0.6 54.3 320.5 374.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 538.3 432.9 971.2 907.5 6.5 914.0 1,445.7 439.5 1,885.22H 958.5 222.1 1,180.6 1,690.2 11.6 1,701.8 2,648.7 233.7 2,882.4 94.6 660.1 754.7 0.0 1.3 1.3 94.6 661.4 756.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,053.1 882.2 1,935.3 1,690.2 12.9 1,703.1 2,743.3 895.1 3,638.4
2016 1H 455.5 129.2 584.6 1,043.7 7.9 1,051.5 1,499.1 137.0 1,636.1 39.3 395.1 434.4 0.0 0.3 0.3 39.3 395.4 434.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 494.8 524.3 1,019.0 1,043.7 8.1 1,051.8 1,538.4 532.4 2,070.8
Perniagaan dalam Malaysia/Business within Malaysia
Individu/Individual Individu/Individual Individu/Individual
4.8.3
Caruman/Contributions
Berkaitan Pelaburan/Investment-Linked Anuiti/Annuity JUMLAH/TOTAL
Berkumpulan/Group Berkumpulan/Group Jumlah/Total Jumlah/Total
Keluarga Biasa/Ordinary Family
Tempoh/Period
Berkumpulan/Group Jumlah/Total
Perniagaan Global/Global Business
Jumlah/Total Individu/Individual Berkumpulan/Group
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga 1 R f t f il t k f l b i d t k b it d f il t k f l t1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber: Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operator.
Source: Bank Negara Malaysia
95
Takaful Keluarga: Agihan Caruman Perniagaan Baharu Mengikut PelanFamily Takaful: Distribution of New Business Contributions by Plan4.8.4
Takaful Keluarga1: Agihan Caruman Perniagaan Baharu Mengikut PelanFamily 1 Takaful: Distribution of New Business Contributions by Plan
RM juta/RM million
Pendidikan/Education Lain-lain/Others Jumlah/Total Gadai Janji/Mortgage Lain-lain/Others Jumlah/Total
2011 1H 11.0 123.8 134.8 621.2 127.1 748.4 150.4 33.0 1,066.6 254.4 0.0 1,321.0
2H 19.3 232.1 251.4 1,280.7 294.9 1,575.6 298.6 64.0 2,189.5 505.2 0.0 2,694.7
2012 1H 8.4 136.8 145.2 826.1 189.5 1,015.6 169.6 33.5 1,363.9 276.3 0.0 1,640.2
2H 14.7 221.1 235.8 1,874.4 498.9 2,373.2 293.5 67.2 2,969.7 504.7 0.0 3,474.4
2013 1H 5.9 87.5 93.5 1,129.3 341.0 1,470.2 178.3 45.0 1,787.0 223.7 0.0 2,010.8
2H 10.0 158.1 168.0 1,899.7 603.9 2,503.6 287.2 86.2 3,044.9 509.4 0.0 3,554.3
2014 1H 4.3 55.5 59.8 634.4 390.3 1,024.7 255.4 43.4 1,383.3 394.5 0.0 1,777.8
2H 7.5 101.4 108.9 1,320.2 713.5 2,033.6 409.2 78.5 2,630.2 802.5 0.0 3,432.8
2015 1H 2.9 53.8 56.8 749.6 310.6 1,060.2 337.2 35.4 1,489.5 374.8 0.0 1,864.3
sem*ntara/Temporary Perubatan dan
Kesihatan/Medicaland Health
4.8.4
Keluarga Biasa/Ordinary Family
Berkaitan Pelaburan/Investment-
LinkedAnuiti/Annuity
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/PeriodJUMLAH/TOTAL
Endowmen/EndowmentLain-
lain/Others Jumlah/Total
2015 1H 2.9 53.8 56.8 749.6 310.6 1,060.2 337.2 35.4 1,489.5 374.8 0.0 1,864.3
2H 5.4 113.3 118.7 1,474.9 670.5 2,145.3 527.5 62.9 2,854.5 756.0 0.0 3,610.52016 1H 2.7 51.5 54.3 706.3 434.5 1,140.8 372.0 53.3 1,620.3 434.7 0.0 2,055.0
2011 1H 11.0 123.8 134.8 621.2 127.1 748.4 150.4 33.0 1,066.6 254.4 0.0 1,321.0
2H 19.3 232.1 251.4 1,280.7 294.9 1,575.6 298.6 64.0 2,189.5 505.2 0.0 2,694.7
2012 1H 8.4 136.8 145.2 826.1 189.5 1,015.6 169.6 33.5 1,363.9 276.3 0.0 1,640.2
2H 14.7 221.1 235.8 1,874.4 498.9 2,373.2 293.5 67.2 2,969.7 504.7 0.0 3,474.4
2013 1H 5.9 87.5 93.5 1,129.3 341.0 1,470.2 178.3 45.0 1,787.0 223.7 0.0 2,010.8
2H 10.0 158.1 168.0 1,899.7 603.9 2,503.6 287.2 86.2 3,044.9 509.4 0.0 3,554.3
2014 1H 4.3 55.5 59.8 634.4 390.3 1,024.7 255.4 43.4 1,383.3 394.5 0.0 1,777.8
2H 7.5 101.4 108.9 1,320.2 713.5 2,033.6 409.2 78.5 2,630.2 802.5 0.0 3,432.8
2015 1H 2.9 53.8 56.8 749.6 310.6 1,060.2 337.2 35.4 1,489.5 374.8 0.0 1,864.3
2H 5.4 113.3 118.7 1,474.9 670.5 2,145.3 527.5 62.9 2,854.5 756.0 0.0 3,610.5
2016 1H 2.7 51.5 54.3 706.3 434.5 1,140.8 372.0 53.3 1,620.3 434.7 0.0 2,055.0
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber: Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operator.
Source: Bank Negara Malaysia
96
Takaful Keluarga: Caruman Tahunan Perniagaan Berkuat kuasa mengikut PelanFamily Takaful: Annual Contributions of Business in Force by Plan4.8.7
Takaful Keluarga1: Caruman Tahunan Perniagaan Berkuat Kuasa Mengikut PelanFamily 1 Takaful: Annual Contributions of Business in Force by Plan
RM juta/RM million
Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total Individu/
IndividualKumpulan/
Group Jumlah/Total Individu/ Individual
Kumpulan/ Group Jumlah/Total
2011 1H 876.0 86.4 962.4 8.3 1.3 9.6 268.9 0.0 268.9 1,153.2 87.7 1,240.9 693.9 0.0 693.9 0.0 0.0 0.0 1,847.1 87.7 1,934.8
2H 898.3 91.0 989.3 15.1 31.3 46.5 280.9 0.5 281.4 1,194.3 122.8 1,317.1 821.5 0.0 821.5 0.0 0.0 0.0 2,015.8 122.8 2,138.7
2012 1H 808.8 92.8 901.5 25.2 34.9 60.1 262.5 0.1 262.5 1,096.4 127.8 1,224.2 969.8 0.0 969.8 0.0 0.0 0.0 2,066.2 127.8 2,194.1
2H 813.0 113.0 926.0 30.6 38.0 68.6 270.7 0.3 271.1 1,114.3 151.3 1,265.7 1,091.5 0.0 1,091.5 0.0 0.0 0.0 2,205.9 151.3 2,357.2
2013 1H 813.7 122.8 936.5 61.3 42.6 103.9 283.3 0.4 283.7 1,158.3 165.8 1,324.0 1,183.7 0.0 1,183.7 0.0 0.0 0.0 2,342.0 165.8 2,507.7
2H 810.1 144.4 954.6 89.9 2.3 92.2 296.7 0.2 296.9 1,196.7 147.0 1,343.7 1,311.8 0.0 1,311.8 0.0 0.0 0.0 2,508.5 147.0 2,655.5
2014 1H 797.8 154.7 952.5 98.2 122.5 220.6 308.1 0.3 308.4 1,204.1 277.4 1,481.5 1,451.4 0.0 1,451.4 0.0 0.0 0.0 2,655.5 277.4 2,932.9
2H 789.6 143.6 933.2 102.4 2.9 105.3 315.1 0.3 315.4 1,207.1 146.8 1,353.9 1,636.2 0.3 1,636.5 0.0 0.0 0.0 2,843.3 147.1 2,990.4
2015 1H 848.8 137.7 986.4 48.2 2.6 50.8 317.2 0.2 317.4 1,214.1 140.5 1,354.7 1,809.9 0.9 1,810.8 0.0 0.0 0.0 3,024.1 141.4 3,165.5
2H 852.0 118.5 970.5 60.8 3.2 64.0 326.1 0.2 326.3 1,238.9 121.9 1,360.8 2,006.9 1.8 2,008.7 0.0 0.0 0.0 3,245.8 123.7 3,369.62016 1H 837.7 120.2 957.9 54.0 5.1 59.0 373.9 0.8 374.7 1,265.6 126.0 1,391.6 2,209.9 2.1 2,212.0 0.0 0.0 0.0 3,475.5 128.1 3,603.6
2011 1H 876.0 86.4 962.4 8.3 1.3 9.6 268.9 0.0 268.9 1,153.2 87.7 1,240.9 693.9 0.0 693.9 0.0 0.0 0.0 1,847.1 87.7 1,934.8
2H 898.3 91.0 989.3 15.1 31.3 46.5 280.9 0.5 281.4 1,194.3 122.8 1,317.1 821.5 0.0 821.5 0.0 0.0 0.0 2,015.8 122.8 2,138.7
2012 1H 808.8 92.8 901.5 25.2 34.9 60.1 262.5 0.1 262.5 1,096.4 127.8 1,224.2 969.8 0.0 969.8 0.0 0.0 0.0 2,066.2 127.8 2,194.1
4.8.7
Akhir tempoh/End of period
Perniagaan dalam Malaysia/Business within Malaysia
Perniagaan Global/Global Business
Endowmen/Endowment sem*ntara/Temporary
Keluarga Biasa/Ordinary FamilyAnnuiti/Annuity Jumlah/Total
Lain-lain/OthersBerkaitan Pelaburan/Investment-Linked
Jumlah/Total
2012 1H 808.8 92.8 901.5 25.2 34.9 60.1 262.5 0.1 262.5 1,096.4 127.8 1,224.2 969.8 0.0 969.8 0.0 0.0 0.0 2,066.2 127.8 2,194.1
2H 813.0 113.0 926.0 30.6 38.0 68.6 270.7 0.3 271.1 1,114.3 151.3 1,265.7 1,091.5 0.0 1,091.5 0.0 0.0 0.0 2,205.9 151.3 2,357.2
2013 1H 813.7 122.8 936.5 61.3 42.6 103.9 283.3 0.4 283.7 1,158.3 165.8 1,324.0 1,183.7 0.0 1,183.7 0.0 0.0 0.0 2,342.0 165.8 2,507.7
2H 810.1 144.4 954.6 89.9 2.3 92.2 296.7 0.2 296.9 1,196.7 147.0 1,343.7 1,311.8 0.0 1,311.8 0.0 0.0 0.0 2,508.5 147.0 2,655.5
2014 1H 797.8 154.7 952.5 98.2 122.5 220.6 308.1 0.3 308.4 1,204.1 277.4 1,481.5 1,451.4 0.0 1,451.4 0.0 0.0 0.0 2,655.5 277.4 2,932.9
2H 789.6 143.6 933.2 102.4 2.9 105.3 315.1 0.3 315.4 1,207.1 146.8 1,353.9 1,636.2 0.3 1,636.5 0.0 0.0 0.0 2,843.3 147.1 2,990.4
2015 1H 848.8 137.7 986.4 48.2 2.6 50.8 317.2 0.2 317.4 1,214.1 140.5 1,354.7 1,809.9 0.9 1,810.8 0.0 0.0 0.0 3,024.1 141.4 3,165.5
2H 852.0 118.5 970.5 60.8 3.2 64.0 326.1 0.2 326.3 1,238.9 121.9 1,360.8 2,006.9 1.8 2,008.7 0.0 0.0 0.0 3,245.8 123.7 3,369.6
2016 1H 837.7 120.2 957.9 54.0 5.1 59.0 373.9 0.8 374.7 1,265.6 126.0 1,391.6 2,209.9 2.1 2,212.0 0.0 0.0 0.0 3,475.5 128.1 3,603.6
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber : Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operator.
Source : Bank Negara Malaysia
97
Takaful Keluarga: Caruman Tahunan Penamatan mengikut PelanFamily Takaful: Annual Contributions of Termination by Plan4.8.10 Takaful Keluarga1: Caruman Tahunan Penamatan Mengikut Pelan
Family 1 Takaful: Annual Contributions of Termination by PlanRM juta/RM million
2011 1H 0.7 0.1 0.7 3.6 0.0 3.6 33.6 1.6 35.1 130.7 0.7 131.4 168.6 2.3 170.9
2H 1.5 0.1 1.6 8.9 0.0 8.9 79.0 3.2 82.3 221.7 2.6 224.3 311.1 5.9 317.1
2012 1H 0.8 0.1 0.9 (20.8) 0.3 (20.5) 43.2 1.5 44.7 247.1 5.7 252.8 270.3 7.6 277.9
2H 1.6 0.2 1.8 11.5 0.4 11.9 90.3 3.2 93.5 325.9 30.9 356.9 429.3 34.7 464.0
2013 1H 0.8 0.1 0.9 4.9 0.1 4.9 48.3 10.5 58.8 121.7 5.0 126.7 175.7 15.6 191.3
2H 1.9 0.1 2.0 9.3 0.1 9.5 100.5 10.8 111.4 244.7 3.6 248.3 356.5 14.6 371.0
2014 1H 1.0 0.0 1.0 4.4 0.1 4.5 54.0 0.3 54.3 154.9 (0.2) 154.7 214.3 0.2 214.5
2H 1.9 0.0 2.0 9.2 0.1 9.3 115.1 1.9 117.0 286.1 16.8 303.0 412.4 18.9 431.2
2015 1H 1.1 0.0 1.1 4.7 0.0 4.7 62.6 0.7 63.3 182.6 11.4 194.1 251.0 12.2 263.2
2H 2.3 0.1 2.4 9.5 0.1 9.6 134.5 10.0 144.5 333.4 26.4 359.7 479.7 36.6 516.32016 1H 1.5 0.1 1.6 4.4 0.1 4.5 77.9 3.1 81.0 210.9 0.4 211.3 294.6 3.7 298.4
Jumlah/TotalIndividu/ Individual
Kumpulan/ Group Jumlah/Total
Tempoh/Period
Individu/ IndividualJumlah/Total Individu/
IndividualKumpulan/
Group
4.8.10Perniagaan dalam Malaysia/Business within Malaysia
Jumlah/Total
JUMLAH/TOTAL
Kumpulan/ Group
Kematian/Death Kematangan/Maturity Serahan/Surrender Sebab Lain (termasuk tamat tempoh)/Other Causes (including expiry)
Kumpulan/ Group
Individu/ Individual
Individu/ Individual Jumlah/TotalKumpulan/
Group
2011 1H 0.7 0.1 0.7 3.6 0.0 3.6 33.6 1.6 35.1 130.7 0.7 131.4 168.6 2.3 170.92H 1.5 0.1 1.6 8.9 0.0 8.9 79.0 3.2 82.3 221.7 2.6 224.3 311.1 5.9 317.1
2012 1H 0.8 0.1 0.9 (20.8) 0.3 (20.5) 43.2 1.5 44.7 247.1 5.7 252.8 270.3 7.6 277.92H 1.6 0.2 1.8 11.5 0.4 11.9 90.3 3.2 93.5 325.9 30.9 356.9 429.3 34.7 464.0
2013 1H 0.8 0.1 0.9 4.9 0.1 4.9 48.3 10.5 58.8 121.7 5.0 126.7 175.7 15.6 191.32H 1.9 0.1 2.0 9.3 0.1 9.5 100.5 10.8 111.4 244.7 3.6 248.3 356.5 14.6 371.0
2014 1H 1.0 0.0 1.0 4.4 0.1 4.5 54.0 0.3 54.3 154.9 (0.2) 154.7 214.3 0.2 214.52H 1.9 0.0 2.0 9.2 0.1 9.3 115.1 1.9 117.0 286.1 16.8 303.0 412.4 18.9 431.2
2015 1H 1.1 0.0 1.1 4.7 0.0 4.7 62.6 0.7 63.3 182.6 11.4 194.1 251.0 12.2 263.22H 2.3 0.1 2.4 9.5 0.1 9.6 134.5 10.0 144.5 333.4 26.4 359.7 479.7 36.6 516.3
2016 1H 1.5 0.1 1.6 4.4 0.1 4.5 77.9 3.1 81.0 210.9 0.4 211.3 294.6 3.7 298.4
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber: Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operator.
Source: Bank Negara Malaysia
98
Takaful Keluarga: Pendapatan dah PerbelanjaanFamily Takaful: Income and Outgo4.8.a Takaful Keluarga1: Pendapatan dan PerbelanjaanFamily 1 Takaful: Income and Outgo
RM juta/RM million
Caruman Bersih/Net Contributions
Pendapatan Pelaburan Bersih/Net Investment
Income
Keuntungan Atas Jualan Aset Dan Pendapatan
Pelbagai/Profit On Sale Of Assets And Miscellaneous
Income
JUMLAH/TOTAL Manfaat Sijil Bersih/Net Certificate Benefits
Komisen Bersih/Net Commissions
PerbelanjaanPengurusan2/Management
Expenses 2
Kerugian Atas Jualan Aset Dan Perbelanjaan Lain/Loss On Disposal Of Assets And
Other Outgo
JUMLAH/TOTAL
2011 1H 1,888.3 239.4 169.6 2,297.4 833.7 296.9 230.3 40.9 1,401.8 895.6
2H 3,703.6 494.2 648.2 4,846.0 1,660.4 582.0 457.6 541.1 3,241.1 1,604.9
2012 1H 2,176.8 287.0 280.0 2,743.8 756.4 323.4 295.6 94.6 1,470.0 1,273.8
2H 4,574.8 590.1 430.5 5,595.4 1,635.9 688.5 710.7 218.5 3,253.7 2,341.8
2013 1H 2,655.0 334.8 237.8 3,227.7 1,023.6 385.6 459.1 154.9 2,023.2 1,204.5
2H 4,807.4 659.1 507.4 5,973.9 1,999.2 735.9 840.7 465.2 4,041.0 1,932.9
2014 1H 2,361.9 356.8 362.2 3,080.9 915.7 342.5 390.5 176.1 1,824.7 1,256.2
2H 4,787.2 736.9 583.1 6,107.2 2,027.6 704.3 799.2 500.7 4,031.8 2,075.3
2015 1H 2 639 3 417 3 251 2 3 307 9 1 166 4 385 5 445 6 315 8 2 313 3 994 6
Lebihan Pendapatan daripada Perbelanjaan/Excess of
Income over Outgo
4.8.a
Pendapatan/Income Perbelanjaan/Outgo
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/Period
2015 1H 2,639.3 417.3 251.2 3,307.9 1,166.4 385.5 445.6 315.8 2,313.3 994.6
2H 5,104.3 837.4 434.1 6,375.9 2,449.9 806.0 975.7 558.2 4,789.8 1,586.0
2016 1H 2,918.7 458.0 322.3 3,698.9 1,357.3 441.1 561.7 287.2 2,647.3 1,051.6
2011 1H 1,888.3 239.4 169.6 2,297.4 834.3 296.9 230.3 40.9 1,402.4 895.0
2H 3,703.6 494.2 648.2 4,846.0 1,660.9 582.0 457.6 541.2 3,241.7 1,604.3
2012 1H 2,176.8 287.0 280.0 2,743.8 756.4 323.4 295.6 94.6 1,470.0 1,273.8
2H 4,574.8 590.1 430.5 5,595.4 1,635.9 688.5 710.7 218.5 3,253.7 2,341.8
2013 1H 2,655.0 334.8 237.8 3,227.7 1,023.6 385.6 459.1 154.9 2,023.2 1,204.5
2H 4,807.4 659.1 507.4 5,973.9 1,999.2 735.9 840.7 465.2 4,041.0 1,932.9
2014 1H 2,361.9 356.8 362.2 3,080.9 915.7 342.5 390.5 176.1 1,824.7 1,256.2
2H 4,787.2 736.9 583.1 6,107.2 2,027.6 704.3 799.2 500.7 4,031.8 2,075.3
2015 1H 2,639.3 417.3 251.2 3,307.9 1,166.4 385.5 445.6 315.8 2,313.3 994.6
2H 5,104.3 837.4 434.1 6,375.9 2,449.9 806.0 975.7 558.2 4,789.8 1,586.0
2016 1H 2,918.7 458.0 322.3 3,698.9 1,357.3 441.1 561.7 287.2 2,647.3 1,051.6
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.2 Jumlah menunjukkan perbelanjaan yang ditanggung oleh kumpulan wang takaful keluarga dan termasuk hutang lapuk dan ragu bersih.
Sumber : Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operators.2 Figures reflect expenses borne by family takaful funds and inclusive of net bad and doubtful debts.
Source : Bank Negara Malaysia
99
Takaful Keluarga: Aset Kumpulan Takaful KeluargaFamily Takaful: Assets of Family Takaful Funds4.8.b Takaful Keluarga1: Aset Kumpulan Wang Takaful KeluargaFamily 1 Takaful: Assets of Family Takaful Funds
RM juta/RM million
Sekuriti Islam Kerajaan/Government
Islamic Papers
Sukuk dan Ekuiti/Sukuk and Equities
Pelaburan Lain/Other Investments Jumlah/Total
2011 1H 105.4 2,718.5 2,049.6 7,222.3 648.4 9,920.3 297.7 55.4 1.2 480.4 11.1 13,590.0
2H 142.7 2,620.4 2,231.1 7,935.2 686.0 10,852.4 306.0 42.3 0.9 404.0 8.6 14,377.2
2012 1H 168.4 2,205.4 2,451.4 8,864.2 671.8 11,987.4 305.2 31.1 0.7 601.0 8.8 15,308.0
2H 141.1 1,994.2 2,629.9 9,802.3 761.0 13,193.2 308.9 17.2 0.5 626.9 7.8 16,289.7
2013 1H 284.2 2,078.4 2,685.9 10,510.0 840.1 14,036.0 311.3 14.4 0.3 751.9 0.0 17,476.5
2H 304.0 1,849.5 2,641.6 11,103.9 1,103.3 14,848.8 313.5 7.3 0.1 629.0 0.0 17,952.1
2014 1H 221.4 2,067.4 2,018.5 12,111.6 1,229.9 15,360.0 315.1 5.2 0.0 956.4 0.0 18,925.6
2H 189.8 2,401.4 1,673.2 13,018.2 1,189.7 15,881.1 314.3 7.3 0.0 825.3 0.0 19,619.2
2015 1H 371.7 2,646.3 1,519.5 13,521.1 1,477.1 16,517.7 312.5 5.3 0.0 779.0 0.0 20,632.5
2H 235.2 3,131.8 1,703.3 13,791.9 1,552.7 17,047.9 315.0 3.3 0.0 655.6 0.1 21,389.02016 1H 286.6 3,059.9 1,702.6 14,867.0 1,557.6 18,127.2 323.8 0.0 0.0 803.3 0.1 22,600.8
2011 1H 105 4 2 718 5 2 049 6 7 222 3 648 4 9 920 3 297 7 55 4 1 2 480 4 11 1 13 590 1
4.8.b
Harta Benda, Loji dan Kelengkapan/Property, Plant and Equipment
Pembiayaan/Financing
Pelaburan/Investments
Perniagaan dalam Malaysia/Business within Malaysia
Akhir tempoh/End of period Wang Tunai dan Baki Bank/Cash and Bank
Balances
Perniagaan Global/Global Business
Aset Lain/Other Assets JUMLAH/TOTALAset Asing/Foreign Assets
Akaun Pelaburan dan Pasaran Wang
Islam/Investment Accounts and Islamic
Money Market
Pelaburan Harta Benda/Investment
Properties
2011 1H 105.4 2,718.5 2,049.6 7,222.3 648.4 9,920.3 297.7 55.4 1.2 480.4 11.1 13,590.1
2H 142.7 2,620.4 2,231.1 7,935.2 686.0 10,852.4 306.0 42.3 0.9 404.0 8.6 14,377.2
2012 1H 168.4 2,205.4 2,451.4 8,864.2 671.8 11,987.4 305.2 31.1 0.7 601.0 8.8 15,308.0
2H 141.1 1,994.2 2,629.9 9,802.3 761.0 13,193.2 308.9 17.2 0.5 626.9 7.8 16,289.8
2013 1H 284.2 2,078.4 2,685.9 10,510.0 840.1 14,036.0 311.3 14.4 0.3 751.9 0.0 17,476.6
2H 304.0 1,849.5 2,641.6 11,103.9 1,103.3 14,848.8 313.5 7.3 0.1 629.1 0.0 17,952.2
2014 1H 221.4 2,067.4 2,018.5 12,111.6 1,229.9 15,360.0 315.1 5.2 0.0 956.5 0.0 18,925.7
2H 189.8 2,401.4 1,673.2 13,018.2 1,189.7 15,881.1 314.3 7.3 0.0 825.4 0.0 19,619.3
2015 1H 371.7 2,646.3 1,519.5 13,521.1 1,477.1 16,517.7 312.5 5.3 0.0 779.1 0.0 20,632.6
2H 235.2 3,131.8 1,703.3 13,791.9 1,552.7 17,047.9 315.0 3.3 0.0 655.7 0.1 21,389.1
2016 1H 286.6 3,059.9 1,702.6 14,867.0 1,557.6 18,127.2 323.8 0.0 0.0 803.4 0.1 22,600.9
1 Merujuk kepada perniagaan takaful keluarga yang dikendalikan oleh pengendali takaful komposit dan keluarga.
Sumber : Bank Negara Malaysia
1 Refers to family takaful business undertaken by composite and family takaful operators.
Source : Bank Negara Malaysia
100
Takaful Am: Agihan Caruman KasarGeneral Takaful: Distribution of Gross Contributions4.9
Takaful Am1: Agihan Caruman KasarGeneral 1 Takaful: Distribution of Gross Contributions
RM juta/RM million
2011 1H 58.7 31.2 145.0 73.1 40.5 391.6 432.1 23.2 3.6 34.9 801.7
2H 104.2 98.6 280.8 136.7 78.9 799.4 878.3 32.7 8.3 60.2 1,599.8
2012 1H 50.3 26.4 166.3 83.8 39.8 472.6 512.4 14.8 4.0 34.7 892.7
2H 80.4 49.5 329.9 157.0 85.0 951.1 1,036.1 25.7 7.7 60.2 1,746.5
2013 1H 30.1 31.5 184.7 112.1 43.9 507.0 550.9 15.8 5.0 36.9 967.1
2H 44.7 56.2 383.5 191.0 92.9 1,042.3 1,135.2 33.0 10.2 61.5 1,915.2
2014 1H 34.0 40.6 213.7 106.6 55.2 575.4 630.6 16.9 5.6 35.3 1,083.3
2H 51.6 66.6 431.1 224.6 115.3 1,178.8 1,294.2 30.3 10.9 60.2 2,169.4
2015 1H 24.9 30.5 236.4 111.5 70.2 638.3 708.5 21.3 5.7 32.4 1,171.3
Motor/Motor
4.9
Marin, Udara dan Transit/Marine,
Aviation and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk & Engineering
Tempoh/PeriodPelbagai/Miscellaneous JUMLAH/TOTAL
Lain-lain/Others Jumlah/Total
Perniagaan dalam Malaysia/Business within Malaysia
Liabiliti/Liability
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Perlindungan 'Akta'/'Act' Cover
Kebakaran/Fire
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
2H 42.9 51.7 466.3 219.2 147.8 1,276.7 1,424.5 33.5 9.9 52.4 2,300.4
2016 1H 25.5 32.2 263.7 125.9 76.7 659.8 736.5 18.3 4.6 32.9 1,239.6
2011 1H 58.7 31.2 145.0 73.1 40.5 391.6 432.1 23.2 3.6 34.9 801.7
2H 104.2 98.6 280.8 136.7 78.9 799.4 878.3 32.7 8.3 60.2 1,599.8
2012 1H 50.3 26.4 166.3 83.8 39.8 472.6 512.4 14.8 4.0 34.7 892.7
2H 80.4 49.5 329.9 157.0 85.0 951.1 1,036.1 25.7 7.7 60.2 1,746.5
2013 1H 30.1 31.5 184.7 112.1 43.9 507.0 550.9 15.8 5.0 36.9 967.1
2H 44.7 56.2 383.5 191.0 92.9 1,042.3 1,135.2 33.0 10.2 61.5 1,915.2
2014 1H 34.0 40.6 213.7 106.6 55.2 575.4 630.6 16.9 5.6 35.3 1,083.3
2H 51.6 66.6 431.1 224.6 115.3 1,178.8 1,294.2 30.3 10.9 60.2 2,169.4
2015 1H 24.9 30.5 236.4 111.5 70.2 638.3 708.5 21.3 5.7 32.4 1,171.3
2H 42.9 51.7 466.3 219.2 147.8 1,276.7 1,424.5 33.5 9.9 52.4 2,300.4
2016 1H 25.5 32.2 263.7 125.9 76.7 659.8 736.5 18.3 4.6 32.9 1,239.6
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source : Bank Negara Malaysia
101
Takaful Am: Agihan Caruman BersihGeneral Takaful: Distribution of Net Contributions4.9.1 Takaful Am1: Agihan Caruman BersihGeneral 1 Takaful: Distribution of Net Contributions
RM juta/RM million
2009 1H 7.1 5.5 65.0 38.9 27.0 232.7 259.7 7.2 3.6 11.2 398.2
2H 10.3 12.5 113.0 83.8 51.7 494.3 545.9 9.7 8.9 19.6 803.7
2010 1H 2.2 5.9 108.6 52.2 32.7 281.2 313.9 5.2 2.8 15.8 506.6
2H 6.2 12.0 180.2 102.3 69.6 620.5 690.2 9.1 7.1 23.5 1,030.7
2011 1H 4.0 9.8 85.8 65.7 39.4 371.0 410.4 8.0 3.2 16.4 603.4
2H 8.8 13.8 156.5 120.1 76.7 742.2 818.9 11.9 7.3 22.0 1,159.4
2012 1H 2.7 11.2 101.6 69.7 35.6 421.4 456.9 3.1 3.6 16.7 665.5
2H 9.3 16.8 197.8 127.0 76.5 845.2 921.6 7.7 6.9 26.0 1,313.0
2013 1H 2.8 7.3 108.6 94.6 39.3 441.5 480.8 4.5 3.7 17.3 719.6
2H 6.2 11.1 221.1 160.9 79.7 875.6 955.3 9.0 7.4 29.4 1,400.5
2014 1H 4.2 7.7 127.7 96.7 45.3 467.2 512.6 3.6 4.5 16.0 773.1
2H 6 5 14 6 229 9 186 7 95 2 964 8 1 060 0 7 5 8 5 29 8 1 543 4
Marin, Udara dan Transit/Marine, Aviation
and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk & Engineering Kebakaran/Fire
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
Motor/Motor
Liabiliti/Liability
4.9.1
Tempoh/Period
Perniagaan dalam Malaysia/Business within Malaysia
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Pelbagai/Miscellaneous JUMLAH/TOTALPerlindungan 'Akta'/'Act'
Cover Lain-lain/Others Jumlah/Total
2H 6.5 14.6 229.9 186.7 95.2 964.8 1,060.0 7.5 8.5 29.8 1,543.4
2015 1H 3.3 8.0 139.8 100.8 59.1 533.1 592.2 3.2 4.4 16.2 868.0
2H 7.1 11.7 270.8 191.2 125.2 1,065.3 1,190.5 6.4 7.7 25.9 1,711.3
2016 1H 2.2 7.7 167.4 109.2 64.8 547.8 612.6 4.9 4.1 18.3 926.4
2009 1H 7.1 5.5 65.0 38.9 27.0 232.7 259.7 7.2 3.6 11.2 398.2
2H 10.3 12.5 113.0 83.8 51.7 494.3 545.9 9.7 8.9 19.6 803.8
2010 1H 2.2 5.9 108.6 52.2 32.7 281.2 313.9 5.2 2.8 15.8 506.6
2H 6.2 12.0 180.3 102.3 69.6 620.5 690.2 9.1 7.1 23.6 1,030.8
2011 1H 4.0 9.8 85.8 65.7 39.4 371.0 410.4 8.0 3.2 16.4 603.4
2H 8.8 13.8 156.5 120.1 76.7 742.2 818.9 11.9 7.3 22.0 1,159.4
2012 1H 2.7 11.2 101.6 69.7 35.6 421.4 456.9 3.1 3.6 16.7 665.5
2H 9.3 16.8 197.8 127.0 76.5 845.2 921.6 7.7 6.9 26.0 1,313.0
2013 1H 2.8 7.3 108.6 94.6 39.3 441.5 480.8 4.5 3.7 17.3 719.6
2H 6.2 11.1 221.1 160.9 79.7 875.6 955.3 9.0 7.4 29.4 1,400.5
2014 1H 4.2 7.7 127.7 96.7 45.3 467.2 512.6 3.6 4.5 16.0 773.1
2H 6.5 14.6 229.9 186.7 95.2 964.8 1,060.0 7.5 8.5 29.8 1,543.4
2015 1H 3.3 8.0 139.8 100.8 59.1 533.1 592.2 3.2 4.4 16.2 868.0
2H 7.1 11.7 270.8 191.2 125.2 1,065.3 1,190.5 6.4 7.7 25.9 1,711.3
2016 1H 2.2 7.7 167.4 109.2 64.8 547.8 612.6 4.9 4.1 18.3 926.4
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source: Bank Negara Malaysia
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source: Bank Negara Malaysia
102
Takaful Am: Tuntutan Bersih DibayarGeneral Takaful: Net Claims Paid4.9.4 Takaful Am1: Tuntutan Bersih Dibayar
General 1 Takaful: Net Claims PaidRM juta/RM million
2009 1H 3.2 (8.8) 4.1 13.8 33.7 79.6 113.3 (2.2) 10.0 (3.8) 129.7
2H 2.5 (1.8) 18.3 25.8 45.5 199.1 244.6 2.4 5.2 7.2 304.2
2010 1H 2.6 0.8 8.1 13.6 32.3 116.2 148.5 1.6 0.3 5.3 180.8
2H 3.2 4.0 26.6 31.2 81.3 257.2 338.5 3.8 0.5 11.8 419.4
2011 1H 9.1 2.0 14.6 17.4 61.2 157.1 218.4 1.5 0.2 5.0 268.1
2H 11.7 3.6 28.0 34.4 120.0 313.1 433.1 3.4 0.4 10.4 525.1
2012 1H (0.6) 1.6 14.6 19.4 70.5 215.2 285.7 1.8 0.1 6.1 328.7
2H 1.2 3.9 22.1 37.9 140.9 405.8 546.8 3.0 0.4 12.1 627.5
2013 1H 1.0 2.5 17.6 17.5 68.6 224.7 293.4 2.2 0.1 5.1 339.3
2H 1.6 4.1 30.7 34.7 157.5 461.5 618.9 4.6 0.2 12.6 707.5
2014 1H 2.3 2.9 31.0 17.8 67.7 217.8 285.5 3.4 0.2 4.6 347.7
Marin, Udara dan Transit/Marine, Aviation
and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire JUMLAH/TOTAL
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
Motor/Motor
Pelbagai/Miscellaneous
4.9.4
Liabiliti/Liability
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Perlindungan 'Akta'/'Act' Cover
Tempoh/Period
Perniagaan dalam Malaysia/Business within Malaysia
Lain-lain/Others Jumlah/Total
2H 4.4 3.1 35.9 38.3 136.7 436.9 573.6 5.9 0.4 9.8 671.4
2015 1H 2.4 2.2 35.1 23.5 64.6 217.6 282.2 0.9 0.2 6.1 352.5
2H 3.7 5.7 42.3 46.6 142.6 491.1 633.7 3.2 0.4 14.8 750.4
2016 1H 2.0 2.9 25.7 26.3 81.0 273.4 354.4 2.4 0.4 2.8 417.0
2009 1H 3.2 (8.8) 4.1 13.8 33.7 79.6 113.3 (2.2) 10.0 (3.8) 129.7
2H 2.5 (1.8) 18.3 25.8 45.5 199.1 244.6 2.4 5.2 7.2 304.2
2010 1H 2.6 0.8 8.1 13.6 32.3 116.2 148.5 1.6 0.3 5.3 180.8
2H 3.2 4.0 26.6 31.2 81.3 257.2 338.5 3.8 0.5 11.8 419.4
2011 1H 9.1 2.0 14.6 17.4 61.2 157.1 218.4 1.5 0.2 5.0 268.1
2H 11.7 3.6 28.0 34.4 120.0 313.1 433.1 3.4 0.4 10.4 525.1
2012 1H (0.6) 1.6 14.6 19.4 70.5 215.2 285.7 1.8 0.1 6.1 328.7
2H 1.2 3.9 22.1 37.9 140.9 405.8 546.8 3.0 0.4 12.1 627.5
2013 1H 1.0 2.5 17.6 17.5 68.6 224.7 293.4 2.2 0.1 5.1 339.3
2H 1.6 4.1 30.7 34.7 157.5 461.5 618.9 4.6 0.2 12.6 707.5
2014 1H 2.3 2.9 31.0 17.8 67.7 217.8 285.5 3.4 0.2 4.6 347.7
2H 4.4 3.1 35.9 38.3 136.7 436.9 573.6 5.9 0.4 9.8 671.4
2015 1H 2.4 2.2 35.1 23.5 64.6 217.6 282.2 0.9 0.2 6.1 352.5
2H 3.7 5.7 42.3 46.6 142.6 491.1 633.7 3.2 0.4 14.8 750.4
2016 1H 2.0 2.9 25.7 26.3 81.0 273.4 354.4 2.4 0.4 2.8 417.0
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source: Bank Negara Malaysia
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source: Bank Negara Malaysia
103
Takaful Am: Nisbah TuntutanGeneral Takaful: Claims Ratio4.9.5
Takaful Am1: Nisbah Tuntutan2
General 1 Takaful: Claims Ratio 2
2009 1H 141.7 11.9 14.3 28.0 475.5 43.4 85.2 (65.1) 248.9 (159.6) 56.8
2H 97.1 69.4 29.4 29.7 240.1 51.0 69.0 21.8 40.5 (25.1) 57.0
2010 1H 163.8 18.5 17.5 29.1 172.2 54.1 67.3 366.8 6.2 (15.5) 55.2
2H 91.1 18.6 28.7 29.1 242.4 51.2 70.7 220.9 (1.8) 29.5 59.5
2011 1H 108.4 17.5 31.1 39.7 259.2 55.8 76.0 15.2 16.3 42.9 63.9
2H 67.4 34.0 26.6 43.3 326.4 54.1 80.3 0.8 17.5 88.0 67.8
2012 1H (30.4) 8.6 26.0 23.7 306.3 54.5 75.9 178.5 (16.8) 160.7 63.3
2H 20.6 20.6 16.9 26.5 255.1 51.9 69.6 89.4 (8.4) 109.8 56.9
2013 1H 50.7 40.2 15.8 38.0 253.3 49.4 66.3 339.6 9.2 58.3 55.8
2H 8.9 36.0 23.5 32.1 254.3 47.1 63.9 109.4 6.8 57.4 53.5
2014 1H 39.3 34.8 7.4 33.2 (852.8) 50.3 64.6 195.2 38.2 (91.5) 46.9
2H 53.8 5.3 13.8 32.2 258.5 53.5 61.3 83.4 19.7 (20.1) 47.8
2015 1H 100.9 (49.9) 21.0 14.6 201.7 52.7 64.5 100.5 (24.3) 6.9 49.5
Perniagaan dalam Malaysia/Business within Malaysia
Jumlah/Total
Akhir tempoh/End of period
%
4.9.5
Marin, Udara dan Transit/Marine, Aviation and
Transit
Semua Risiko Kontraktor dan
Kejuruteraan/Contractor's All Risk and Engineering
Liabiliti/Liability Kebakaran/Fire
Perbelanjaan Perubatan dan Kemalangan Diri/Medical Expenses and Personal
Accident Lain-lain/Others JUMLAH/TOTAL
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Perlindungan 'Akta'/'Act' Cover
Motor/Motor
Pelbagai/Miscellaneous
2H 75.0 7.6 18.7 23.1 443.9 53.9 67.0 100.2 (1.9) 33.5 51.9
2016 1H 120.1 60.8 5.8 28.7 199.2 52.9 70.2 63.4 7.6 12.5 53.3
2009 1H 141.7 11.9 14.3 28.0 475.5 43.4 85.2 (65.1) 248.9 (159.6) 56.7
2H 97.1 69.3 29.4 29.7 240.1 51.0 69.0 21.8 40.5 (25.1) 57.0
2010 1H 163.8 18.5 17.5 29.1 172.2 54.1 67.3 366.8 6.2 (15.5) 55.2
2H 91.1 18.6 28.7 29.1 242.4 51.2 70.7 220.9 (1.8) 29.5 59.5
2011 1H 108.4 17.5 31.1 39.7 259.2 55.8 76.0 15.2 16.3 42.9 63.9
2H 67.4 34.0 26.6 43.3 326.4 54.1 80.3 0.8 17.5 88.0 67.8
2012 1H (30.4) 8.6 26.0 23.7 306.3 54.5 75.9 178.5 (16.8) 160.7 63.3
2H 20.6 20.6 16.9 26.5 255.1 51.9 69.6 89.4 (8.4) 109.8 56.9
2013 1H 50.7 40.2 15.8 38.0 253.3 49.4 66.3 339.6 9.2 58.3 55.8
2H 8.9 36.0 23.5 32.1 254.3 47.1 63.9 109.4 6.8 57.4 53.5
2014 1H 39.3 34.8 7.4 33.2 (852.8) 50.3 64.6 195.2 38.2 (91.5) 46.9
2H 53.8 5.3 13.8 32.2 258.5 53.5 61.3 83.4 19.7 (20.1) 47.8
2015 1H 100.9 (49.9) 21.0 14.6 201.7 52.7 64.5 100.5 (24.3) 6.9 49.5
2H 75.0 7.6 18.7 23.1 443.9 53.9 67.0 100.2 (1.9) 33.5 51.9
2016 1H 120.1 60.8 5.8 28.7 199.2 52.9 70.2 63.4 7.6 12.5 53.3
%
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.2 Tuntutan bersih kena dibayar sebagai nisbah pendapatan caruman terperoleh.
Sumber : Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.2 Net claims incurred as a ratio of earned contribution income.
Source : Bank Negara Malaysia
104
Takaful Am: Pendapatan Caruman TerperolehGeneral Takaful: Earned Contribution Income4.9.6
Takaful Am1: Pendapatan Caruman DiperolehGeneral 1 Takaful: Earned Contribution Income
RM juta/RM million
2009 1H 4.8 4.3 77.3 30.9 19.1 178.3 197.4 5.9 3.3 7.2 331.2
2H 7.0 13.7 83.4 82.4 47.7 452.4 500.1 9.8 8.6 17.3 722.3
2010 1H 4.6 6.0 75.8 45.6 33.8 268.6 302.5 4.3 3.6 14.9 457.2
2H 8.4 15.4 132.8 98.5 65.4 578.1 643.5 9.0 7.7 23.3 938.6
2011 1H 5.5 9.1 65.1 56.2 36.8 333.9 370.7 7.4 3.4 13.3 530.7
2H 10.6 14.1 133.9 117.8 74.6 699.6 774.2 13.2 7.1 19.4 1,090.3
2012 1H 3.3 9.4 94.9 63.2 37.2 400.0 437.3 2.1 4.2 14.9 629.3
2H 10.7 16.6 189.7 124.1 78.2 823.2 901.4 8.0 8.0 23.7 1,282.1
2013 1H 3.1 7.0 105.3 81.1 40.0 443.7 483.7 2.9 3.5 17.9 704.4
2H 6.3 12.5 208.7 161.0 77.7 877.7 955.4 7.4 7.0 31.8 1,390.0
2014 1H 2.7 5.1 135.9 86.6 (7.2) 463.0 455.8 3.3 3.8 13.5 706.7
2H 6.1 15.2 234.7 181.1 37.4 946.1 983.5 8.9 8.2 29.2 1,466.8
2015 1H 3.5 7.1 122.9 97.6 43.6 507.5 551.0 2.5 4.2 14.7 803.5
4.9.6
Marin, Udara dan Transit/Marine, Aviation
and Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Perlindungan 'Akta'/'Act' Cover
Liabiliti/Liability Kebakaran/Fire
Perbelanjaan Perubatan dan Kemalangan
Diri/Medical Expenses and Personal Accident
Motor/Motor
Tempoh/Period
Perniagaan dalam Malaysia/Business within Malaysia
Lain-lain/Others Pelbagai/Miscellaneous JUMLAH/TOTAL
Jumlah/Total
2H 6.4 11.6 304.9 194.5 37.2 1,074.7 1,111.9 6.5 8.1 27.5 1,671.4
2016 1H 1.6 7.4 153.9 101.9 72.7 541.7 614.3 4.9 4.2 14.5 902.7
2009 1H 4.8 4.3 77.4 30.9 19.1 178.3 197.4 5.9 3.3 7.2 331.3
2H 7.0 13.7 83.6 82.4 47.7 452.4 500.1 9.8 8.6 17.3 722.4
2010 1H 4.6 6.0 75.8 45.6 33.8 268.6 302.5 4.3 3.6 14.9 457.2
2H 8.4 15.4 132.8 98.5 65.4 578.1 643.5 9.0 7.7 23.3 938.6
2011 1H 5.5 9.1 65.1 56.2 36.8 333.9 370.7 7.4 3.4 13.3 530.7
2H 10.6 14.1 133.9 117.8 74.6 699.6 774.2 13.2 7.1 19.4 1,090.3
2012 1H 3.3 9.4 94.9 63.2 37.2 400.0 437.3 2.1 4.2 14.9 629.3
2H 10.7 16.6 189.7 124.1 78.2 823.2 901.4 8.0 8.0 23.7 1,282.1
2013 1H 3.1 7.0 105.3 81.1 40.0 443.7 483.7 2.9 3.5 17.9 704.4
2H 6.3 12.5 208.7 161.0 77.7 877.7 955.4 7.4 7.0 31.8 1,390.0
2014 1H 2.7 5.1 135.9 86.6 (7.2) 463.0 455.8 3.3 3.8 13.5 706.7
2H 6.1 15.2 234.7 181.1 37.4 946.1 983.5 8.9 8.2 29.2 1,466.8
2015 1H 3.5 7.1 122.9 97.6 43.6 507.5 551.0 2.5 4.2 14.7 803.5
2H 6.4 11.6 304.9 194.5 37.2 1,074.7 1,111.9 6.5 8.1 27.5 1,671.4
2016 1H 1.6 7.4 153.9 101.9 72.7 541.7 614.3 4.9 4.2 14.5 902.7
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source: Bank Negara Malaysia
105
Takaful Am: Tuntutan Bersih Kena DibayarGeneral Takaful: Net Claims Incurred4.9.7 Takaful Am1: Tuntutan Bersih Kena Dibayar
General 1 Takaful: Net Claims IncurredRM juta/RM million
2009 1H 6.7 0.5 11.0 8.7 90.7 77.4 168.1 (3.9) 8.3 (11.5) 187.9
2H 6.8 9.5 24.6 24.4 114.5 230.6 345.1 2.1 3.5 (4.3) 411.6
2010 1H 7.6 1.1 13.2 13.2 58.3 145.3 203.5 15.6 0.2 (2.3) 252.2
2H 7.6 2.9 38.1 28.7 158.5 296.1 454.6 19.9 (0.1) 6.9 558.4
2011 1H 6.0 1.6 20.3 22.3 95.3 186.2 281.5 1.1 0.6 5.7 339.1
2H 7.1 4.8 35.7 51.0 243.4 378.5 621.9 0.1 1.2 17.1 738.9
2012 1H (1.0) 0.8 24.7 15.0 114.0 217.8 331.9 3.8 (0.7) 23.9 398.4
2H 2.2 3.4 32.1 32.9 199.4 427.4 626.8 7.1 (0.7) 26.1 730.0
2013 1H 1.6 2.8 16.6 30.8 101.3 219.2 320.5 9.7 0.3 10.4 392.7
2H 0.6 4.5 48.9 51.7 197.5 413.1 610.6 8.1 0.5 18.2 743.2
2014 1H 1.1 1.8 10.0 28.7 61.7 232.7 294.4 6.4 1.5 (12.4) 331.4
2H 3.3 0.8 32.3 58.4 96.6 506.1 602.7 7.4 1.6 (5.9) 700.6
2015 1H 3.6 (3.5) 25.8 14.3 87.9 267.4 355.3 2.5 (1.0) 1.0 397.9
2H 4.8 0.9 57.0 45.0 165.0 579.6 744.6 6.5 (0.2) 9.2 867.9
2016 1H 1.9 4.5 9.0 29.2 144.8 286.6 431.4 3.1 0.3 1.8 481.2
Pelbagai/Miscellaneous JUMLAH/TOTAL
4.9.7
Tempoh/Period
Perniagaan dalam Malaysia/Business within Malaysia
Marin, Udara dan Transit/Marine, Aviation and
Transit
Semua Risiko Kontraktor dan Kejuruteraan/Contractor's All
Risk and Engineering Kebakaran/Fire
Perbelanjaan Perubatan dan Kemalangan Diri/Medical Expenses and Personal
AccidentPerlindungan 'Akta'/'Act'
Cover Lain-lain/Others Jumlah/Total Liabiliti/Liability
Pampasan Pekerja dan Liabiliti Majikan/Workmen's
Compensation and Employers' Liability
Motor/Motor
2009 1H 6.7 0.5 11.0 8.7 90.7 77.4 168.1 (3.9) 8.3 (11.5) 187.9
2H 6.8 9.5 24.6 24.4 114.5 230.6 345.1 2.1 3.5 (4.3) 411.6
2010 1H 7.6 1.1 13.2 13.2 58.3 145.3 203.5 15.6 0.2 (2.3) 252.2
2H 7.6 2.9 38.1 28.7 158.5 296.1 454.6 19.9 (0.1) 6.9 558.4
2011 1H 6.0 1.6 20.3 22.3 95.3 186.2 281.5 1.1 0.6 5.7 339.1
2H 7.1 4.8 35.7 51.0 243.4 378.5 621.9 0.1 1.2 17.1 738.9
2012 1H (1.0) 0.8 24.7 15.0 114.0 217.8 331.9 3.8 (0.7) 23.9 398.4
2H 2.2 3.4 32.1 32.9 199.4 427.4 626.8 7.1 (0.7) 26.1 730.0
2013 1H 1.6 2.8 16.6 30.8 101.3 219.2 320.5 9.7 0.3 10.4 392.7
2H 0.6 4.5 48.9 51.7 197.5 413.1 610.6 8.1 0.5 18.2 743.2
2014 1H 1.1 1.8 10.0 28.7 61.7 232.7 294.4 6.4 1.5 (12.4) 331.4
2H 3.3 0.8 32.3 58.4 96.6 506.1 602.7 7.4 1.6 (5.9) 700.6
2015 1H 3.6 (3.5) 25.8 14.3 87.9 267.4 355.3 2.5 (1.0) 1.0 397.9
2H 4.8 0.9 57.0 45.0 165.0 579.6 744.6 6.5 (0.2) 9.2 867.9
2016 1H 1.9 4.5 9.0 29.2 144.8 286.6 431.4 3.1 0.3 1.8 481.2
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source: Bank Negara Malaysia
106
Takaful Am: Keputusan Pengunderaitan dan KendalianGeneral Takaful: Underwriting and Operating Results4.9.aTakaful Am1: Keputusan Pengunderaitan dan KendalianGeneral 1 Takaful: Underwriting and Operating Results
RM juta/RM million
2011 1H 530.7 339.1 55.6 84.9 51.1 39.8 19.0 9.1 0.0 (3.0) 122.0
2H 1,090.3 738.9 96.7 155.9 98.7 84.5 37.2 38.7 1.4 17.4 240.3
2012 1H 629.3 398.4 82.5 101.1 47.4 45.6 27.2 3.0 0.0 9.9 113.3
2H 1,282.1 730.0 156.7 206.0 189.5 96.3 41.7 8.2 0.1 43.8 291.8
2013 1H 704.4 392.7 104.4 122.6 84.7 50.6 34.4 2.2 0.0 2.7 169.2
2H 1,390.0 743.2 192.4 247.4 207.0 102.8 80.5 10.3 0.1 24.3 376.2
2014 1H 706.7 331.4 47.5 198.6 129.2 53.2 13.8 2.1 1.3 14.9 182.0
2H 1,466.8 700.6 91.9 416.7 257.6 110.6 21.0 6.7 9.2 31.4 355.3
2015 1H 803.5 397.9 51.5 249.9 104.2 57.4 9.3 3.8 0.1 26.0 148.6
2H 1,671.4 867.9 105.0 502.9 195.6 119.1 7.8 12.8 0.9 17.1 317.4
2016 1H 902.7 481.2 54.2 275.2 92.1 64.0 9.9 26.3 1.6 15.2 175.4
4.9.a
Pendapatan Caruman Diperoleh/Earned
Contribution Income
Tuntutan Bersih Kena Dibayar/Net Claims
Incurred
Komisen Bersih/Net Commissions
Keuntungan Kendalian/Operating
Profit
Keuntungan Pengunderaitan/Underwriting
Profit
Keuntungan Pelaburan/Investment
Income
Keuntungan Modal/Capital Gains
Pendapatan Lain/Other Income
Kerugian Modal/Capital Losses
Perbelanjaan Lain/Other Outgo
Perbelanjaan Pengurusan2/Management
Expenses 2
Perniagaan dalam Malaysia/Business within Malaysia
Tempoh/Period
2011 1H 530.7 339.1 55.6 84.9 51.1 39.8 19.0 9.1 0.0 (3.0) 122.0
2H 1,090.3 738.9 96.7 155.9 98.7 84.5 37.2 38.7 1.4 17.4 240.3
2012 1H 629.3 398.4 82.5 101.1 47.4 45.6 27.2 3.0 0.0 9.9 113.3
2H 1,282.1 730.0 156.7 206.0 189.5 96.3 41.7 8.2 0.1 43.8 291.8
2013 1H 704.4 392.7 104.4 122.6 84.7 50.6 34.4 2.2 0.0 2.7 169.2
2H 1,390.0 743.2 192.4 247.4 207.0 102.8 80.5 10.3 0.1 24.3 376.2
2014 1H 706.7 331.4 47.5 198.6 129.2 53.2 13.8 2.1 1.3 14.9 182.0
2H 1,466.8 700.6 91.9 416.7 257.6 110.6 21.0 6.7 9.2 31.4 355.3
2015 1H 803.5 397.9 51.5 249.9 104.2 57.4 9.3 3.8 0.1 26.0 148.6
2H 1,671.4 867.9 105.0 502.9 195.6 119.1 7.8 12.8 0.9 17.1 317.4
2016 1H 902.7 481.2 54.2 275.2 92.1 64.0 9.9 26.3 1.6 15.2 175.4
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.2 Jumlah menunjukkan perbelanjaan yang ditanggung oleh kumpulan wang takaful am dan termasuk hutang lapuk dan ragu bersih.
Sumber: Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.2 Figures reflect expenses borne by general takaful funds and inclusive of net bad and doubtful debts.
Source: Bank Negara Malaysia
107
Takaful Am: Aset Kumpulan Takaful AmGeneral Takaful: Assets of General Takaful Funds4.9.b Takaful Am1: Aset Kumpulan Wang Takaful AmGeneral 1 Takaful: Assets of General Takaful Funds
RM juta/RM million
Sekuriti Islam Kerajaan/Government
Islamic Papers
Sukuk dan Ekuiti/Sukuk and Equities
Pelaburan Lain/Other Investments Jumlah/Total
2011 1H 34.1 579.9 365.7 1,129.8 54.5 1,549.9 29.2 2.7 0.6 294.9 0.0 2,491.4
2H 37.1 601.2 380.4 1,196.9 64.8 1,642.2 26.6 0.9 0.0 262.9 0.0 2,571.0
2012 1H 63.3 502.3 404.1 1,342.7 80.6 1,827.4 26.6 0.5 0.0 288.4 0.0 2,708.6
2H 56.0 518.1 412.3 1,412.0 89.2 1,913.5 25.8 0.2 0.0 242.3 0.0 2,755.8
2013 1H 102.2 563.9 479.1 1,348.7 91.1 1,918.9 23.0 0.0 0.0 246.5 0.0 2,854.5
2H 119.5 650.1 506.8 1,330.6 108.7 1,946.2 23.7 0.0 0.0 242.6 0.0 2,982.0
2014 1H 76.0 404.2 662.6 1,414.8 146.9 2,224.3 21.8 0.0 0.0 306.8 0.0 3,033.1
2H 60.2 474.2 575.8 1,514.4 152.7 2,242.9 21.8 0.0 0.0 327.8 0.0 3,127.0
2015 1H 135.7 495.5 581.3 1,489.6 163.4 2,234.2 21.8 0.0 0.0 368.1 0.0 3,255.4
2H 85.0 439.4 649.2 1,627.5 164.7 2,441.5 24.1 0.0 0.0 331.9 0.0 3,321.9
JUMLAH/TOTAL
Pelaburan/Investments
Wang Tunai dan Baki Bank/Cash and Bank
BalancesAset Lain/Other Assets Aset Asing/Foreign
Assets
Akaun Pelaburan dan Pasaran Wang
Islam/Investment Accounts and Islamic Money Market
4.9.b
Harta Benda, Loji dan Kelengkapan/Property, Plant
and Equipment
Pelaburan Harta Benda/Investment
PropertiesPembiayaan/Financing
Akhir tempoh/End of period
Perniagaan dalam Malaysia/Business within Malaysia
2016 1H 149.1 863.4 489.4 1,494.9 135.2 2,119.6 24.1 0.0 0.0 346.8 0.0 3,503.0
2011 1H 34.1 579.9 365.7 1,129.8 54.5 1,549.9 29.2 2.7 0.6 294.9 0.0 2,491.4
2H 37.1 601.2 380.4 1,196.9 64.8 1,642.2 26.6 0.9 0.0 262.9 0.0 2,571.0
2012 1H 63.4 502.3 404.1 1,342.7 80.6 1,827.4 26.6 0.5 0.0 288.4 0.0 2,708.6
2H 56.0 518.1 412.3 1,412.0 89.2 1,913.5 25.8 0.2 0.0 242.3 0.0 2,755.9
2013 1H 102.2 563.9 479.1 1,348.7 91.1 1,918.9 23.0 0.0 0.0 246.5 0.0 2,854.5
2H 119.5 650.1 506.8 1,330.6 108.7 1,946.2 23.7 0.0 0.0 242.6 0.0 2,982.0
2014 1H 76.0 404.2 662.6 1,414.8 146.9 2,224.3 21.8 0.0 0.0 306.8 0.0 3,033.1
2H 60.2 474.2 575.8 1,514.4 152.7 2,242.9 21.8 0.0 0.0 327.8 0.0 3,127.0
2015 1H 135.7 495.5 581.3 1,489.6 163.4 2,234.2 21.8 0.0 0.0 368.1 0.0 3,255.4
2H 85.0 439.4 649.2 1,627.5 164.7 2,441.5 24.1 0.0 0.0 331.9 0.0 3,321.9
2016 1H 149.1 863.4 489.4 1,494.9 135.2 2,119.6 24.1 0.0 0.0 346.8 0.0 3,503.0
Perniagaan Global/Global Business
1 Merujuk kepada perniagaan takaful am yang dikendalikan oleh pengendali takaful komposit dan am.
Sumber : Bank Negara Malaysia
1 Refers to general takaful business undertaken by composite and general takaful operators.
Source : Bank Negara Malaysia