Investment Products
Investments can either be made for short periods of less than a year or for periods more than 1 year by investing in fixed income securities. Fixed income securities may be issued by Government or Corporations for a specified period. Revenue is derived from interest income and/or capital gains upon sale of the securities. Types of securities offered include;

	Malaysian Government Securities (MGS)
	Issued by Government of Malaysia MGS are fixed-rate coupon bearing bonds with bullet repayment of principal upon maturity while coupon payments are made semi-annually. MGS are issued for tenors of 3 years to 20 years and its principal and interest are guaranteed by the Government of Malaysia. MGS are issued at par or RM100.00 Interest income is exempted from tax

	Malaysian Treasury Bills (MTB)
	Issued by Government of Malaysia MTB are short term securities with maturities not exceeding one year It is a discounted instrument and redemption at face value on maturity Denominated in multiples of RM100,000-00

	Malaysian Islamic Treasury Bills (MITB)
	MITB are short-term securities issued by the Government of Malaysia based on Islamic principles MITB are structured based on Bai’ Al Inah principle whereby BNM, on behalf of the Government of Malaysia, to sell an asset to the successful participants on cash basis and subsequently will buy back the same asset at par based on credit term Denominated in multiples of RM100,000-00

	Bank Negara Monetaty Notes (BNMN)
	Issued by Bank Negara Malaysia Maturity of Issuances ranges from 30 days to 3 years Issuance either on a discounted or a coupon-bearing basis depending on investors’ demand Denominated in multiples of RM100,000-00

	Bank Negara Monetaty Notes-i (BNMN-I)
	BNMN-I are Islamic securities issued by Bank Negara Malaysia The instrument will be issued using Islamic principles which are deemed acceptable to Shariah requirement Maturity of issuances ranges from 30 days to 3 years Issuance either on a discounted or a coupon-bearing basis depending on investors’ demand Denominated in multiples of RM100,000-00

	Commercial Papers (CPs)
	CP is a short-term note issued by corporate, state agency and quasi government Maturity period ranges from 1 month up to 12 months Issued on discounted basis All issues are rated by rating agencies as required by the relevant authority to assess the risk profile of the issuer.

	Islamic Commercial Papers (ICPs)
	ICP is a short-term note issued by corporate, state agency and quasi government using Islamic principles acceptable to Shariah requirement Maturity period ranges from 1 month up to 12 months Issued on discounted basis All issues are rated by rating agencies as required by the relevant authority to assess the risk profile of the issuer.

	Bankers Acceptances (BA)
	Bankers Acceptances (BA) is a bill of exchange, drawn on and accepted by finance institutions on behalf of their clients, for trade financing. The tenor of financing ranges from 21 days to 365 days. Denominated in multiples of RM1,000-00 with a minimum amount of RM50,000-00

	Acceptance Bills-Islamic (AB-I)
	AB-I is drawn and accepted by Islamic banks and SPI pursuant to an acceptance credit facility to finance genuine trade transaction. The goods involved in the trade transaction are tangible goods and halal goods and to be used in the production of halal goods. The tenor of financing ranges from 21 days to 365 days Denominated in multiples of RM1,000-00 with a minimum amount of RM50,000-00

For more details or enquiries, call our Direct Line 03-26945788, 26944211, 26943641, Toll Free line - 1-800887388 or email us using our Customer Care form.