Features

• Available for individuals, companies, societies, associations and clubs
• The easy application is flexible
• Minimum placement of RM500.00 for a tenure of three months and above or RM5,000.00 for a minimum tenure of one month
• Placement tenure is on monthly basis
• Auto renewal is provided
• Interest earned can be credited into your savings account every month or be reinvested with the principal amount

 Features

• Multi-tiered savings
• For individuals (12 years and above), clubs, societies and associations
• Minimum initial deposit of RM50.00 and minimum balance for an account to remain open should not be less than RM1.00
• Automatic approval for ATM Card with easy access to more than 3,600 MEPS ATMs throughout Malaysia
• Interest calculated on daily basis and credited on monthly basis

 Features:

• Higher multi-tiered interest rates with low deposit tiers

• Interest is calculated on daily basis and credited on monthly basis
• A colourful collector's item passbook
• Automatic approval for an ATM Card

• Personal Accident Insurance up to 18 years of age of 2.5 times deposit balance up to a maximum of RM10,000.00
• Study Award for achievement in UPSR, PMR and SPM

 Features

• Available for individuals, sole-proprietorships / partnerships and companies
• Highly competitive rates
• Fast approval
• Higher margin of financing
• Up to 7 years financing period

* Terms and conditions apply

• For all residential properties
• High margin of finance up to 100%
• Longer repayment period up to age 65
• Fast approval
• Up to 100% financing on Mortgage Reducing Term Assurance (MRTA)
• Attractive interest rates
• Option to commence instalment during construction period

* Terms and conditions apply

 Features

• High margin of finance up to 100%
• Longer repayment period up to age 65
• Fast approval
• Up to 100% financing on Mortgage Reducing Term Assurance (MRTA)
• Up to RM10,00 personal loan for purposes of legal fees, renovation etc. for eligible borrower
• Combination of Term Loan and Revolving Credit Facility
• Option to commence instalment during construction period upon the first drawdown
• Free Personal Accident Insurance for 2 years
• Free first year fee for selected SBB Credit Cards
• Personal Computer package at a discount price plus interest free for six months if charged to SBB Credit Card.

* Terms and conditions apply

 Features :

 Purchase of Shares and Unit Trusts

• Financing the purchase of shares listed on the KLSE and Unit Trusts
• Mortgaging of such shares and unit trusts as collateral
• For individuals and business entities

• Interest Rate:-
  • * Shares - Between 2%* p.a. to 2.5%* p.a. above BLR
  • * Unit Trusts - 1.5%* p.a. above BLR

• Flexible repayment period & margin of financing

* subject to eligibility

 Features :

• Financing for property development projects
• Providing financing for end-purchasers properties developed in the above projects
• Interest rate - as low as 2.0%* p.a. above BLR

 Objective

• To assist SMEs obtain loan for business purposes.

 Eligibility *

• Malaysian-owned companies/institutions.
• Shareholders' fund not exceeding RM10.0 million.

• Purpose - working capital and asset acquisition.
• Maximum guarantee cover - 90%.
• Guarantee fee - 0.75% to 2.00% per annum.
• Interest rate - 2.0% above BLR.

*Subject to any changes from CGC or BNM from time  to time

 Objective

• To assist small entrepreneur who have viable projects.

 Eligibility *

• Malaysian-owned companies/institutions.
• One (1) loan under CGC at any one time.
• No adverse records.

 Features *

• Purpose - working capital and asset acquisition.
• Minimum loan - RM10,000-00.
  Maximum loan - RM50,000-00.
• Maximum guarantee cover - 80%.
• Maximum guarantee/loan period - five (5) years.
• Guarantee fee - 1.25% per annum.
• Interest rate - 1.5% above BLR.

*Subject to any changes from CGC or BNM from time  to time

 Objective

• To assist small entrepreneur in the manufacturing and services sector.

• Malaysian-owned companies/institutions.
• Shareholders' fund not exceeding RM10.0 million.
• All export-oriented and non export-oriented industries.

 Features *

• Purpose of loans - working capital only.
• Fund will be managed and channelled by CGC;
• Funding rate - 2.0% per annum.
• Lending rate - 5.5% per annum.
• Minimum loan - RM50,00-00.
  Maximum loan - RM1.0 million.
• Maximum loan period - three (3) years.
• Eligible for Flexi Guarantee Scheme.
  

*Subject to any changes from CGC or BNM from time  to time

  TABUNG PEMULIHAN INDUSTRI   KECIL & SEDERHANA (TPIKS)

 Objective

• To provide financial assistance for NPL/cash flow problems.

 Eligiblity *

• Malaysian-owned companies/institutions.
• Shareholders' funds not exceeding RM10.0 million
• Sectors - Manufacturing
               Agro-based industry
               Services
• Not applicable for - Revolving Credit                            Facilities
                          - Purchase of Shares
                          - Refinancing of                           existing credit                           facilities
  
  30% of loan limit to refinance and restructure the existing NPL.

 Features *

• Purpose of loans - expansion and working capital.
• Fund will be managed and channelled by BNM.
• Funding rate - 1.0% per annum.
• Lending rate - 5.0% per annum.
• Minimum loan - RM50,00.00.
  Maximum loan - RM5.0 million.
• Maximum loan period - seven (7) years.
• Eligible for Flexi Guarantee Scheme.
  

*Subject to any changes from CGC or BNM from time  to time

 Objective

• To assist and rehabilitate SMEs to resolve NPLs.

• Malaysian-owned companies/institutions.
• Shareholder's fund below RM5.0 million.
• Total NPL between RM0.5 million and RM5.0 million.
• Loans turned NPL between 01 January 1998 to 30 April 2000.
• No winding-up order or bankruptcy action against the borrowers.

• Purpose of loans - working capital only.
• Funding rate - 1.0% above BLR.
• Minimum loan - RM100,000-00.
  Maximum loan - 30% of aggregate of existing facilities.
• Maximum guarantee cover - 70%.
• Maximum guarantee/loan period - three (3) years with an option to extend for another two (2) years.
• Guarantee fee - 0.50% per annum.

*Subject to any changes from CGC or BNM from time  to time

 Eligibility *

• Loan under TIKS 2 and TPIKS.
• Malaysian-owned companies/institutions.
• Shareholders' fund not exceeding RM10.0 million.
• Base on the individual eligibility criteria of TIKS 2 and TPIKS.

• Annual guarantee fee is to be borne by the Financial Institution.
• Minimum guarantee cover - 30%
  Maximum guarantee cover - 80%.
• Guarantee fee is calculated as follows :-

• Commercial and Industrial Hire Purchase at SFB offers attractive rate and maximum tenure of 5 years for financing to purchase equitment and machinery.
• Block Discounting is available for credit / leasing and motor dealers for working capital.
• Floor Stocking facility is available to finance stock of motor vehicles to qualified dealers.
• Sunday Banking is available at our service centres in Taman Maluri, Bangsar, Pontian Kecil, Batu Pahat, Johor Bahru, Malacca, Petaling Jaya, Penang and Bukit Mertajam

• Friday Banking is available at our service centre in Kota Bharu.
• Sale of Banker's Cheques / Demand Drafts for purchase of new share issue.
• Safe Deposit Boxes are available at our selected service centres.
• Touch 'n Go Auto Reload Facility via Southern Finance Berhad savings account with either RM100.00, RM200.00 or RM500.00 value for auto - reload.