Bank Islam menang tiga anugerah perbankan antarabangsa

KUALA LUMPUR: Bank Islam Malaysia Bhd memenangi tiga anugerah pada majlis anugerah Tahunan International Banker yang berlangsung di London.

Mengikut bank itu, Pengarah Urusan Datuk Seri Zukri Samat, dipilih sebagai Ketua Pegawai Eksekutif Perbankan Terbaik. 

"Anugerah kedua ialah Penyedia Perkhidmatan Pelanggan Terbaik Asia dan ketiga, Bank Islam Malaysia terbaik," katanya. 

International Banker ialah anak syarikat Finance Publishing, sumber utama dunia bagi analisis kewangan, perbankan antarabangsa dan hal ehwal dunia, yang dipercayai.-BERNAMA

CIMB ASB Financing

Use this term loan facility to buy ASB units. While you are servicing the loan, you'll be earning the annual dividends and bonuses from your ASB investment which you can use to partly pay for the subsequent year loan repayments. It's an affordable, convenient and smart way to make your money work harder.

Features and benefits:
	Loan amount from RM10,000 up to maximum of RM 200,000 (subject to customer's eligibility)
	Margin of financing up to 100%
	Interest rate of BLR - 1.65% p.a. throughout loan tenure
	Loan tenure from 5 years up to maximum 30 years or 65 years of age (whichever is earlier)
	Low documentation fee
	Insurance coverage (Group Amanah Saham Assurance)

Terms & Conditions Apply

The Master Prospectus of the unit trust funds of ASNB dated 30 June 2012, and the First Supplementary Master Prospectus dated 25 September 2012, have been registered with the Securities Commission Malaysia and are available at any office of ASNB and its agents. Units will be issued upon receipt of the registration form as enclosed in the prospectuses. Before investing, please read and understand the content of the prospectuses. Total return on the investments may go down as well as up. Past performances of the unit trust funds of ASNB are not guarantees of future performances. Before investing, kindly consider the fees and charges involved.

Eligibility:
	All eligible ASB investors under ASNB guidelines.
	Bumiputra only.
	Individual aged 18 years and above, with evidence of income only. Student is not eligible to apply.

Requirements:

Applicant is required to submit the compulsory documents as follow: Photocopy of NRIC Photocopy of ASB passbook (1st & 2nd page) Evidence of income Definition of evidence of income: a) For wage earner - Latest 1 month salary slip/ payment voucher (if salary is paid through payment voucher) b) For self-employed / businessman: - Only ONE of the following Latest 6 months current account / savings account statement Statement of interest earned and received from FDs placed for more than 12 months ASNB dividend statement  Latest 6 months Tabung Haji account statement.

•	All eligible ASB investors under ASNB guidelines
•	Malaysian Bumiputera only BLR - 1.65% p.a. throughout the loan tenure   BLR as at May 2011: 6.60%

Private Sector Personal Loan Offer

Personal financing- i Aslah for private sector

Features

• Amount of financing up to RM150,000
• Financing tenure up to 10 years
• Financing margin up to 10 times your monthly gross salary (Salary RM2,000 - RM3,000) and 15 times your monthly gross salary (Salary RM3,001 and above)
• No guarantor
• Takaful coverage are optional
• No advance payment
• Negotiation rate offered to employees of companies or cooperatives with certain conditions stated by Bank

Financing Rate

					Financing Tenure
Payment Method	Protection	Salary	Floating Rate	Effective / Fixed	New Application	Repeated / Overlap Application
Saving Deduction	With Takaful	RM2,000 - RM3,000	BFR + 6.75%	13.35% / 8.17%	5 years	10 years
		RM3,001 & above	BFR + 6.50%	13.10% / 7.99%	10 years
	Without Takaful	RM2,000 - RM3,000	BFR + 7.75%	14.35% / 8.89%	5 years
		RM3,001 & above	BFR + 7.50%	14.10% / 8.70%	10 years
Other than Saving Deduction	With Takaful	RM2,000 - RM3,000	BFR + 7.75%	14.35% / 8.89%	5 years
		RM3,001 & above	BFR + 7.50%	14.10% / 8.70%	10 years
	Without Takaful	RM2,000 - RM3,000	BFR + 8.75%	15.35% / 9.62%	5 years
		RM3,001 & above	BFR + 8.50%	15.10% / 9.43%	10 years

*Note:

Ceiling Rate = Effective Rate + 4.00%

Current Base Financing Rate (BFR) is 6.60%

Eligibility

• Malaysian citizen
• Minimum age of 18 years and maximum 60 years old at the end of the financing tenure
• Minimum fixed monthly income of RM2,000 including fixed allowances
• Public sector employee
• Have been confirm in current service

Payment Method

• Biro Perkhidmatan Angkasa
• Salary Deduction
• Saving Deduction
• Standing Instruction
• Postdated Cheque

Documents Required

	Document
New Application	1. Copy of Identity Card / Authority Card (Police / Army)
	2. Latest 3 months' salary slip
	3. Latest employer's confirmation letter
	4. Latest three (3) months Bank Statements of salary crediting account
	5. EPF statement showing transactions of six (6) months
	6. Income Tax (BE Form)
Repeated/Overlap Applicationl	1. Copy of Identity Card
	2. Latest 3 months' salary slip