Kadar Faedah: Institusi Perbankan

2.1 Interest Rates: Banking Institutions

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

Kadar purata bagi Kadar Berian Kadar Berian

Deposit tetap1/ Deposit Kadar Asas Kadar Berian Kadar Pinjaman Deposit tetap
tempoh Pinjaman Pinjaman
Fixed deposits tabungan berwajaran3/ Pinjaman Asas Purata Berwajaran4/ Fixed deposits
Purata2/ Purata

Tempoh (dalam bulan) Tempoh (dalam bulan)

Average rates Savings Weighted Base Base Lending Average Weighted Average Average
during the period Period (in months) deposit Rate Rate Lending Rate Lending Rate Period (in months) Lending Rate
1 3 6 9 12 1 3 6 9 12
2018 1 2.95 3.01 3.07 3.09 3.16 0.99 3.76 6.72 4.63 5.27 3.32 3.29 3.64 3.79 3.56 6.20
2 3.10 3.16 3.23 3.25 3.33 1.03 3.89 6.89 4.79 5.41 3.34 3.53 3.50 3.55 3.86 6.31
3 3.08 3.16 3.22 3.25 3.33 1.04 3.89 6.89 4.86 5.43 3.36 3.60 3.50 3.54 3.90 6.33
4 3.08 3.17 3.22 3.25 3.33 1.03 3.89 6.89 4.90 5.43 3.37 3.63 3.54 3.61 3.96 6.51
5 3.08 3.15 3.22 3.25 3.33 1.03 3.89 6.90 4.97 5.43 3.34 3.62 3.80 3.54 3.88 6.48
6 3.08 3.15 3.22 3.25 3.33 1.04 3.89 6.90 5.05 5.43 3.33 3.41 3.78 3.54 3.93 6.59
7 3.08 3.16 3.22 3.26 3.33 1.05 3.90 6.91 5.07 5.44 3.39 3.47 3.61 3.53 3.88 6.54
8 3.08 3.16 3.22 3.26 3.33 1.05 3.90 6.91 4.98 5.44 3.30 3.62 3.83 3.78 3.89 6.59
9 3.07 3.15 3.22 3.27 3.33 1.05 3.90 6.91 4.93 5.41 3.33 3.58 3.83 3.81 3.86 6.58
10 3.08 3.16 3.22 3.27 3.33 1.06 3.90 6.91 4.98 5.42 3.32 3.64 3.69 3.78 3.71 6.54
11 3.09 3.15 3.22 3.27 3.33 1.07 3.90 6.91 4.98 5.42 3.36 3.60 3.80 3.76 3.71 6.59
12 3.09 3.15 3.22 3.27 3.33 1.07 3.91 6.91 5.02 5.43 3.34 3.56 3.83 3.77 3.78 6.56

2019 1 3.09 3.17 3.22 3.27 3.33 1.07 3.92 6.91 5.04 5.44 3.37 3.63 3.77 3.77 3.70 6.22
2 3.08 3.16 3.22 3.27 3.33 1.07 3.92 6.91 5.02 5.43 3.34 3.49 3.82 3.80 3.80 6.55
3 3.08 3.15 3.22 3.27 3.33 1.07 3.92 6.91 5.03 5.43 3.32 3.67 3.75 3.78 3.73 6.56
4 3.08 3.16 3.22 3.27 3.33 1.07 3.93 6.92 5.02 5.43 3.31 3.36 3.72 3.75 3.71 6.49
5 2.83 2.92 2.99 3.03 3.09 0.99 3.68 6.71 4.93 5.26 3.07 3.42 3.61 3.69 3.68 6.45
6 2.85 2.90 2.98 3.03 3.09 0.99 3.68 6.71 4.89 5.23 3.12 3.32 3.50 3.62 3.75 6.45
7 2.83 2.90 2.98 3.02 3.10 1.00 3.68 6.71 4.82 5.20 3.11 3.34 3.49 3.59 3.82 6.39
8 2.82 2.92 2.97 3.01 3.09 0.99 3.68 6.71 4.82 5.19 3.09 3.31 3.53 3.59 3.78 6.56
9 2.86 2.85 2.96 3.01 3.09 0.98 3.68 6.71 4.76 5.18 3.10 3.34 3.46 3.58 3.79 6.55
10 2.86 2.91 2.96 3.01 3.09 0.98 3.68 6.71 4.76 5.17 3.10 3.36 3.45 3.51 3.77 6.56
11 2.82 2.86 2.95 3.01 3.09 0.98 3.68 6.71 4.73 5.16 3.14 3.31 3.49 3.52 3.73 6.56
12 2.86 2.90 2.95 3.01 3.09 0.97 3.68 6.71 4.70 5.16 3.11 3.40 3.49 3.51 3.69 6.51
2020 1 2.61 2.68 2.72 2.79 2.87 0.89 3.43 6.50 4.64 5.02 2.90 3.21 3.18 3.45 3.59 6.49

` 2 2.56 2.65 2.69 2.76 2.84 0.87 3.43 6.48 4.60 4.98 2.85 2.91 3.36 3.40 3.57 6.44

3 2.33 2.38 2.44 2.52 2.59 0.78 3.18 6.26 4.40 4.77 2.73 2.75 3.26 3.35 3.44 6.36

4 2.33 2.36 2.44 2.52 2.56 0.77 3.18 6.26 4.26 4.66 2.67 2.91 2.81 3.23 3.29 6.28

5 1.80 1.88 1.95 2.03 2.03 0.61 2.68 5.78 4.01 4.34 2.44 2.45 2.49 2.97 3.13 6.16

6 1.82 1.86 1.95 2.03 2.03 0.59 2.68 5.75 3.89 4.25 2.26 2.18 2.59 2.87 3.03 6.10

7 1.53 1.63 1.67 1.70 1.79 0.48 2.43 5.52 3.70 4.07 2.02 2.19 2.18 2.73 2.91 5.92

8 1.54 1.62 1.66 1.70 1.78 0.48 2.43 5.49 3.64 4.04 1.99 2.10 2.16 2.63 3.10 5.90

9 1.52 1.60 1.66 1.70 1.78 0.48 2.43 5.49 3.64 4.03 1.95 2.10 2.23 2.72 2.69 5.85

10 1.51 1.59 1.66 1.70 1.78 0.48 2.43 5.49 3.53 3.98 1.95 2.10 2.02 2.57 2.68 5.90

11 1.54 1.63 1.65 1.69 1.78 0.48 2.42 5.49 3.51 4.00 1.96 2.12 2.03 2.58 2.68 5.76

12 1.51 1.58 1.65 1.67 1.75 0.48 2.43 5.49 3.51 3.99 1.99 2.17 2.29 2.72 2.66 5.86

2021 1 1.51 1.57 1.63 1.70 1.75 0.47 2.42 5.49 3.44 3.96 1.96 2.14 2.28 2.64 2.77 5.75

2 1.49 1.58 1.67 1.70 1.75 0.47 2.42 5.49 3.49 3.97 1.96 1.92 2.06 2.62 2.65 5.77

3 1.49 1.56 1.64 1.70 1.75 0.46 2.43 5.49 3.47 3.93 1.97 2.16 2.06 2.27 2.64 5.77

4 1.48 1.56 1.64 1.70 1.70 0.46 2.42 5.49 3.45 3.94 1.99 2.17 2.09 2.32 2.34 5.86

5 1.48 1.56 1.64 1.70 1.70 0.58 2.42 5.49 3.42 3.91 1.96 2.13 2.20 2.34 2.35 5.73

6 1.47 1.56 1.64 1.67 1.70 0.58 2.43 5.49 3.47 3.89 1.97 1.99 2.23 2.31 2.34 5.80

1 From August 2000 onwards, the Fixed Deposit Rate series for Commercial Banks, Finance Companies, Merchant Banks have been revised. Data for x-
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
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).
kadar disebut bagi tempoh matang tersebut sahaja ( Data sebelum Ogos 2000 masih menggunakan tempoh matang purata.
2 Since March 2012, the following banks were included in the computation of the average lending rate: Industrial and Commercial Bank of China from
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;
November 2010 onwards; Sumitomo Mitsui Banking Corporation from May 2011 onwards; Mizuho Corporation Bank (M) Berhad and BNP Paribas
Mizuho Corp Bank (M) Berhad dan BNP Paribas Malaysia Berhad mulai Disember 2011.
Malaysia Berhad from December 2011 onwards.
3 Berkuat kuasa 2 Januari 2015, Kadar Asas telah menggantikan Kadar Pinjaman Asas sebgaai kadar rujukan utama bagi pinjaman runcit kadar terapung. Kadar Asas digunakan untuk pinjaman runcit kadar
3 Effective 2 January 2015, the Base Rate replaced the Base Lending Rate as the main reference rate for new retail floating rate loans. The Base Rate is
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
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
rujukan berbanding dengan BLR. Walau bagaimanapun, apabila sesebuah institusi kewangan membuat sebarang pelarasan terhadap Kadar Asas, pelarasan yang serupa juga akan dibuat terhadap BLR. 
prior to 2015 will continue to be referenced against the BLR. However, when a financial institution makes any adjustments to the Base Rate, a corresponding
4 Kadar pinjaman purata berwajaran merujuk kepada kadar purata pinjaman yang diwajarkan pada pinjaman terkumpul setiap bank perdagangan.
adjustment to the BLR will also be made.
4 Weighted average lending rate refers to the average lending rate weighted by the outstanding loans of each commercial bank.