Exposure Draft on Capital Adequacy Framework (Counterparty Credit Risk)

Risk Management in Technology (RMiT)

Exposure Draft on Open Finance

Management of Customer Information and Permitted Disclosures

1. Appendix I - Template for reporting customer information breach
2. Appendix V - Template for application for disclosure of customer information

Discussion Paper on Asset Tokenisation in the Malaysian Financial Sector

Exposure Draft on Interest Rate Risk in the Banking Book (IRRBB)

Personal Financing

• Feedback Statement on Personal Financing Exposure Draft

Operational Procedures for Foreign Currency Settlement in RENTAS (Real Time Electronic Transfer of Funds and Securities System

Operational Procedures for Malaysian Ringgit (MYR) Settlement in RENTAS (Real Time Electronic Transfer of Funds and Securities System

Participation Rules for Payments and Securities Services

Discussion Paper on Artificial Intelligence in the Malaysian Financial Sector

Exposure Draft on Interoperable Fund Transfer Framework

Exposure Draft on Capital Adequacy Framework (Internal Ratings-Based Approach for Credit Risk)

Statutory Reserve Requirement

Transfers of business

• Frequently Asked Questions

Basic Banking Services

Complaints Handling

• Feedback Statement

Climate Risk Management and Scenario Analysis

Islamic Financial Services (Financial Ombudsman Scheme) (Amendment) Regulations 2024

Financial Services (Financial Ombudsman Scheme) (Amendment) Regulations 2024

Large Exposures Limit

• Reporting Template

Credit Risk

Product Transparency and Disclosure

Capital Adequacy Framework

• Capital Components (effective 14 Jun 2024)
• Basel II - Risk Weighted Assets (effective 18 Dec 2023)
• Operational Risk (effective 1 Jan 2025) - Appendix 1 updated on 5 March 2024 
  • Feedback Statement
• Exposures to Central Counterparties (effective 1 Jan 2025) - Updated on 2 April 2024
  • Feedback Statement
• Standardised Approach for Credit Risk (effective 1 Jul 2026) - Updated on 20 November 2024
  • Feedback Statement

Capital Adequacy Framework for Islamic Banks

• Capital Components (effective 14 Jun 2024)
• Risk-Weighted Assets (effective 18 Dec 2023)

Shariah Contract Framework

• Feedback Form (Excel format)

Islamic Banking Window 

• Frequently Asked Questions

Skim Pembiayaan Mikro (SPM)

Climate Risk Stress Testing Methodology Paper

• BNM CRST Frequently Asked Questions (FAQs) V3.0
• BNM CRST Feedback Statement
• BNM CRST Scenario & MEV Data
• BNM CRST Gross Value Added by Sector
• [Banks] BNM CRST Reporting Template V5.0 (2025)
• [ITO] BNM CRST Reporting Template V3.0 (2025)

Liquidity Risk

• Feedback Statement 

Proposed Full Transition to MYOR / MYOR-i and Cessation of KLIBOR

Ensuring Fair Treatment for Victims of Unauthorised e-Banking Transactions

Islamic Collateralised Funding Policy Document

• Frequently Asked Questions

Policy Document on Disposal and Purchase of Impaired Loans/Financing

• Frequently Asked Questions
• Exposure Draft on Disposal and Purchase of Impaired Loans/ Financing Feedback Statement

Electronic Know-Your-Customer (e-KYC)

• Frequently Asked Questions

Fair Treatment of Financial Consumers

• Exposure Draft on Fair Treatment of Vulnerable Consumers Feedback Statement: Summary of Key Feedback Received and BNM's Responses   
• Frequently Asked Questions (FAQ)  

• Medical and Health Insurance/Takaful Business
• Feedback Statement from the Exposure Draft on Medical and Health Insurance/Takaful Business

Financial Technology Regulatory Sandbox Framework

• Frequently Asked Questions
• Standard Sandbox Application Form
• Green Lane Application Form

RENTAS Modernisation Plans

Anti-Money Laundering, Countering Financing of Terrorism, Countering Proliferation Financing and Targeted Financial Sanctions for Financial Institutions (AML/CFT/CPF and TFS for FIs)

Hajah and Darurah (effective 2 Jan. 2025)

• Frequently Asked Questions

Responsibility Mapping (effective 1 Jan 2026)

• Feedback Statement

Quality and Integrity of Currency

• Frequently Asked Questions on Quality and Integrity of Currency

Financial Inclusion Framework 2023-2026

Capital Adequacy Framework (Basel III – Risk-Weighted Assets) – Standardised Approach for Credit Risk

Business Continuity Management

• Attachment 1: Level of Disruption (LoD) Reporting Template (xlsx)
• Attachment 2: Cyber Incident Scoring System (CISS) Form (xlsx)
• Feedback Statement

Hajah and Darurah

Securities Borrowing and Lending of RENTAS Securities

Capital Adequacy Framework (Basel III -- Risk-Weighted Assets) -- Operational Risk 

Payments Cards Framework

• Adjustment to the Debit Card Interchange Fee Ceiling for Mobile Wallet Transactions (28 July 2025)

2024 Climate Risk Stress Testing (CRST) Exercise

• Attachment 1: Feedback Template for the Discussion Paper (xlsx format)

Bancassurance/Bancatakaful

• Public Feedback Statement

Financial Reporting

Financial Reporting for Islamic Banking Institutions  

Malaysia Islamic Overnight Rate (MYOR-i)

Wholesale Market Conduct Practices Guidance Document

Code of Conduct For Malaysia Wholesale Financial Markets

KLIBOR Rate Setting

Malaysia Overnight Rate (MYOR)

• Reference Rate Framework (RRF) 
• Consumer Guide and Frequently Asked Questions (FAQs) on the Revised Reference Rate Framework [English] [Bahasa Melayu]

Recovery Planning

• Response to Feedback Received
• Recovery Planning Data Templates

Climate Change and Principle-based Taxonomy

Operational Risk Integrated Online Network (ORION)

• Frequently Asked Questions (FAQ)
• User Guide and Technical Specifications

Licensing Framework for Digital Banks

Standing Facilities

Issuance of Redemption Statement and Release of Original Title of Immovable Property

Domestic Systemically Important Banks Framework

• Frequently Asked Questions
• Response to feedback received
• Reporting Template
• Reporting Interpretations
• Submission Instructions

Application Procedures for Acquisition of Interest in Shares and to be a Financial Holding Company

Application Procedures for New Licences under Financial Services Act 2013 and Islamic Financial Services Act 2013

Equity Investments

• Equity Investments Reporting Template

Holding of Immovable Properties

Interoperable Credit Transfer Framework

• Clarification and Frequently Asked Questions

Repurchase Agreement Transactions

Value-based Intermediation Financing and Investment Impact Assessment Framework - Guidance Document

• Feedback Statement - Consultative Document on VBI Financing and Investment Impact Assessment Framework (VBIAF)

Outsourcing

• Frequently Asked Questions

Shariah Governance

• Response to Feedback Received

Net Stable Funding Ratio

• Reporting template
• Response to feedback received

Credit Card

Kad Kredit

Credit Card-i

Kad Kredit-i

Trade Credit Insurance and Trade Credit Takaful

Publishing Open Data using Open API

• The Bank’s response to common feedback and queries

Tawarruq

Implementation Guide for Value-based Intermediation

Rahn

• Response to Feedback

Bai` al-Sarf (Currency Exchange)

• Feedback statement

Strategy Paper on Value-based Intermediation (VBI)

• Value-based Intermediation: Feedback Statement

Employee Screening

• Response to Feedback
• Reference Template
• FAQ - Employee Screening

Leverage Ratio

• Attachment 1 - Reporting template
• Attachment 2 - Response to Feedback Received
• Attachment 3 - Frequently asked questions

Principles for a Fair and Effective Financial Market for the Malaysian Financial Market

• Response to Feedback Received

Stress Testing

Capital Funds

• Attachment - Frequently Asked Questions (FAQs)
• Attachment - Clarification on reserve fund

Capital Funds for Islamic Banks

• Attachment - Frequently Asked Questions (FAQs)
• Attachment - Clarification on reserve fund

Kafalah **UPDATED 2017/04/14

• Attachment 1: Response to feedback received **UPDATED 2017/04/14

Regulated Short-Selling of Securities in the Wholesale Money Market

• Request for Feedback

Code of Conduct for Malaysia Wholesale Financial Markets ** UPDATED 2020/04/22

• Response to feedback received

Wa'd

• Response to feedback received

Commencement of Commercial Banking Business of China Construction Bank (Malaysia) Berhad

Debit Card-i

Debit Card

Prohibited Business Conduct

• Response to feedback received

Liquidity Coverage Ratio

• Response to feedback received
• Reporting templates

Ijarah

Shareholder Suitability

• Response to Feedback Received

Hibah

• Response to feedback received

Qard

• FAQ
• Response to feedback received

Wadiah

• Response to feedback received

Corporate Governance

• Response to feedback received

Change in terminology "Private Debt Securities" to "Corporate Bond and/or Sukuk

Wakalah

• Attachment 1: Response to feedback received

Operational Risk

• Response to feedback received

Compliance

• Response to feedback received - Compliance

Manual Rujukan Institusi Kewangan Islam Kepada Majlis Penasihat Shariah

Istisna'

Islamic Financial Services (Financial Ombudsman Scheme) Regulations 2015

Financial Services (Financial Ombudsman Scheme) Regulations 2015

Regulatory Treatment of BNM Mudarabah Certificate (BMC) for Licensed Banks and Licensed Islamic Banks

Requirements for the Conduct of Money Services Business by Banking Institutions

Mudarabah

• Response to feedback received

Musyarakah

• Response to feedback received

Prohibited Business Conduct **NEW 2016/07/19

• Attachment 1 - Response to Feedback Received

Perbankan Islam Logo

Guidelines on Credit Transactions and Exposures with Connected Parties for Islamic Banks

Guidelines on Credit Transactions and Exposures with Connected Parties

Single Counterparty Exposure Limit

• Response to Feedback Received

Single Counterparty Exposure Limit for Islamic Banking Institutions

• Response to Feedback Received

Minimum Guidelines on the Provision of Internet Banking Services by Licensed Banking Institutions [This guideline is currently being reviewed and will be posted soon]

Shariah Resolutions in Islamic Finance

Investment Account

• Attachment 1 - Reporting Template and Manual (revised on 2 August 2016)
• Attachment 2 - Frequently Asked Question (issued on 14 July 2016)

Reference Rate Framework

• Guide to Consumer on Reference Rate [English]
• Guide to Consumer on Reference Rate [Bahasa Melayu]
• Guide to Consumer on Reference Rate [Mandarin]

Introduction of New Products

Murabahah

Risk-Informed Pricing

Revised BNM/APP and BNM/DIR Application Forms and Statutory Declaration Form

• Related attachment : Revised Forms
• Related attachment : Forms related to Insurance companies

External Auditor

Fit and Proper Criteria

Application to be Approved as Financial Holding Company Pursuant to Sections 280(2) and 280(3) of the Financial Services Act 2013 and Section 290(1) of the Islamic Financial Services Act 2013

Prudential Standards on Securitisation Transactions for Islamic Banks

Risk-Weighted Capital Adequacy Framework (Basel II) - Internal Capital Adequacy Assessment Process (Pillar 2)

Risk Governance

Resolutions of Shariah Advisory Council of Bank Negara Malaysia 2010 - 2011

Guidelines on Data Management and MIS Framework

Guidelines on Establishment and Operations of Representative Offices in Malaysia

• Appendix 1: Form BNM/RO
• Appendix 2: Form BNM/CR

Notification on the Implementation of Basel III

Circular on POWER! Programme

Guidelines on Ibra' (Rebate) for Sale-Based Financing * Same guideline applies to Insurance & Takaful and Development Financial Institutions

Risk Weighted Capital Adequacy Framework (Basel II) - Disclosure Requirements (Pillar 3)

Guidelines on Property Development and Property Investment Activities by Islamic Banks

Prudential Standards on Securitisation Transactions

Guidelines on International Islamic Bank

Guidelines on Investment Banks