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NBFI:

AGROBANK

Pensyarah:
Madam Norsaliza Abu Bakar
Oleh:
Khairul Dani Bin Halim 2011980591
Muhamad Mustaqim Bin Shamsudin 2012437582

INTRODUCTION
AGROBANK

ABOUT

Former Bank Pertanian Malaysia


40 years of experience in agricultural banking and excellent track
record in shaping and developing successful entrepreneurs.
Agrobank is a Government-owned Bank under the Minister of
Finance Incorporated (MFI).
The banks financing of the agricultural sector is driven by a
policy set forth by the Ministry of Agriculture and Agro-Based
Industry (MOA).
190 branches throughout Malaysia.
The establishment of Bank Pertanian Malaysia (BPM) in 1969
was in line with the governments move to carry out irrigation
projects to accommodate double cropping for paddy planting in
the states of Kedah and Perlis; known as the Muda Agricultural
Development Authority (MADA) area.

Vision
To be a leading bank with a focus on agriculture

Mission
To provide market and client-driven financial services in a financially sustainable way with specific
target groups such as:

Agropreneurs
Micro, small and medium entrepreneurs
Private individuals

Objectives
To promote Malaysias sound agricultural development;
To co-ordinate and supervise the grant of credit from public funds for agricultural
purposes by the various persons or bodies of persons whether incorporate or
unincorporated;
To provide financing, advances, and other credit facilities for the development of the
agriculture sector and agriculture related business;
To mobilise savings with particular regard to the agricultural sector and in furtherance
of this object to accept savings and time deposits;
To uplift the well-being of the agricultural community; and,
To carry on the general business of a modern and progressive financial services
institution catering for the total financial needs of its customers.

SOURCES AND USES OF FUNDS

1.DEPOSIT
savings account, current account & more
EG: Basic Savings Account-i (Agro BSA-i)
Agro BSA-i is a basic savings account that provides various
options for financial management of individuals aged 12
years and over: personal accounts, trust or joint. This
savings account is based on the Yad Dhamanah
transactions.
Personal Accounts - For individuals 12 years and over
Trust Account - Open for individuals under 12 years old and
managed by the Trustees aged 18 years and above.
Joint Accounts - Accounts managed by a group of individuals
does not exceed five (5) people aged 18 years and above.

2.PERSONAL
AgroCash-i

AgroCash-i is a personal financing which provides consumer financing especially for agriculture and
agro-based activity. The implementation of the product is based on the Bai al-Inah transactions.

In these transactions, the seller sells an asset to the buyer on cash basis and then buys back the asset
at a deferred price which is higher than the cash sale price. It may also be conducted where the seller
sells the asset to the buyer at a deferred price and subsequently buys back the asset on cash basis at
a lower price than the deferred sale price.

In this financing, the Bank will sell the asset (a land owned by a bank or other asset advised by the
Bank) to the customer at a selling price which is to be paid on a deferred basis.

Financing Limit

Government Servant
Maximum RM200,000
GLC Staf
Maximum 10 times of gross salary and based on maximum financing limit of RM100,000

Financing Tenure
Maximum 10 years

Profit Rates (Subject to qualification and current changes)

3. BUSINESS

Tanaman Semula Kelapa Sawit-i (SAWIT-i)

SAWIT-i is a financing facility for smallholders who are involved in small-scale oil palm plantation. SAWIT-i is based
on the Bai Bithaman Ajil (BBA) transactions.

Financing facility for:

Re-planting; or
Expansion of the Existing Plantation

This product ofers financing facility with features as per below. As an example:

Facility Amount
RM 50,000

Facility Tenure
10 years or 120 months

Profit Rate
*8.85% p.a. on monthly rest basis

*Note: BFR (6.85%) + 2.0%. BFR is subject to current changes.

Advantages

Attractive financing rates and competitive pricing.


Fast financing approval.
Rapid process disbursement.

4.ELECTRONIC BANKING
AGRONet (Internet Banking)

With AGRONet, our personal customers can do most of their banking online in real-time, when and where it suits.
That could be at home, at work or anywhere in the world with internet access. AGRONet is available from 4.00am
until 12.00am daily (including SAT, SUN and Public Holidays).
AGRONetBIZ (Business Internet Banking)

Business Internet Banking or known as AGRONetBIZ is an online banking service designed for business or nonindividual customers such as company, association, club, and society or government bodies registered under
Malaysian Company Act. This product is based on the Ujrah transactions. The company shall have an active
business company deposit account(s) with Agrobank. AGRONetBIZ allows corporate and commercial customers to
conduct financial transactions on a secure website operated by the bank. To log-in AGRONetBIZ service, the
customer would go to the banks website, and access the online banking facility using the customer personal
username and password. Once logged-in, the customer can perform various banking transaction without having to
go to the bank.

There are two (2) types of access available for AGRONetBIZ which are:

Inquiry Access For viewing only


Transactional Access FULL access (View, Initiate and Approve banking transaction)
Below are the service ofered by AGRONetBIZ:

Account Inquiry
- Display customer details of Savings Account / Investment / Financing, Transaction History and AGRONetBIZ
Transaction History.

Fund Transfer
- Allow customer to transfer fund from their Agrobank account to another account as per option below:
i. Transfer to own account and another 3rd party Agrobank account
ii. Interbank Fund Transfer (IBG)

5. SERVICES

Bill Payment
- Allow customer to pay bills to the available payee corporations and
register their favourite billers for easier payment process in the future.

Authorization
- Allow customer with Approver access to approve or reject any financial
related transaction initiated by Initiator.

Internet Banking Service Management


- Only accessible to the customers appointed as Corporate Administrator.
Corporate Administrator function is to manage their User access (Viewer,
Initiator and Approver).

Profile Management
- Allow customer to manage account profile such as Change Password.

Message Box
- Allow customer to receive notification message sent by the bank.

CONCLUSION

Agrobank main focus is in developing the agricultural sector of the


country. Development Financial Institutions (DFIs) are established
by the Government to promote the development of certain
identified priority sectors and sub-sectors of the economy, such as
agriculture, infrastructure development and international trade.
DFIs generally specialise in the provision of medium and long term
financing of projects that may carry higher credit or market risk. It
is envisaged that in the next decade, DFIs will continue to progress
and assume a more significant role in pursuing the Government
policy goals for strategic, social and economic development.

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