• Agriculture, Hunting, Forestry and Fishing refers to loans granted for the purpose of financing customers in the cultivation of crops, livestock farming, timber extraction, forest management, poultry, farming, fishing and agricultural services.
• Mining and Quarrying refers to loans granted to finance coal mining, crude petroleum and natural gas production, metal ore mining and quarrying.
• Manufacturing refers to loans granted to finance customers in the manufacturing of a multitude of goods, including processing of food, rubber, palm oil, etc., manufacture of wearing apparel, leather goods, wood and wood products, paper and paper products, printing, publishing, manufacture of chemical and chemical products, petroleum, coal, rubber and plastic products, manufacture of iron and steel products, manufacture of fabricated metal products, machinery and equipment, etc.
• Electricity, Gas and Water refers to loans granted to finance customers in generation, transmission and distribution of electrical energy for sale to households, industrial and commercial users, production of gas in gas works, distribution of manufactured gas and natural gas.
• Wholesale and Retail Trade, Restaurants and Hotels refers to loans granted to finance customers in wholesale trade, retail trade and those operating restaurants and hotels.
• Broad Property Sector
Of which:
Construction refers to loans granted to finance customers in general contracting including civil engineering work, special contracting work, construction of industrial buildings and factories, construction of infrastructure, commercial complexes, residential dwellings and other construction activity.
Residential Property refers to loans granted for the purchase or refinancing the purchase of residential property which were classified as low cost (RM25, 000 and below), lower medium cost (RM25, 001 -RM60, 000), medium cost (RM60,001-RM100,000), higher medium cost (RM100,001 -RM150,000) and higher cost houses (more that RM150,000).
Non-Residential Property refers to loans granted for the purchase and refinancing of the purchase of non-residential property. Non-residential means landed property, which are not used for human dwelling purposes. It includes industrial buildings, factories, land, commercial complexes, warehouses and other structures not meant for human dwelling.
Real Estate refers to loans granted to companies involved in letting and operating real estate services on own account. Include renting of land to others, development and sale of land on own account, sub-dividing real property etc. Include real estate agents, brokers and managers engaged in renting, buying, selling and managing real estate for others for a fee and commission.
Transport, Storage and Communication refers to loans granted to finance customers in the provision of transport, storage and communication services to others.
• Finance, Insurance and Business Services
Of which:
Finance refers to loans granted to banking institutions and non-bank financial institutions.
Insurance refers to life insurance, reinsurance and general insurance services, insurance broking and loss assessing for insurance claims purposes.
Business Services refer to loans extended for provision of legal services, accounting services, auditing services, data collection etc.
• Consumption Credit
Of which:
Personal Uses refer to loans granted to individuals only for private use, exclude loans to purchase securities, consumer durables, transport vehicles, residential property, non-residential property and loans or credit obtained through the use of credit cards.
Purchase of Consumer Durables refers to loans granted for the acquisition of consumer durable goods such as televisions, refrigerators, washing machines etc.
Purchase of Passenger Cars refers to loans for the purchase of motor vehicles which are used primarily to carry a limited number of people, and includes multipurpose vehicles fitted to carry passengers.
Credit Cards refer to credit extended to customers using credit/charge cards issued by a reporting institution and includes cash withdrawals through such cards.
Purchase of Securities refers to loans granted to finance both primary and secondary market purchases of securities. Include loans granted to substitute for another loan granted previously by another party for the purchase of securities.
Purchase of Transport Vehicles refers to loans granted for the purposes of financing the purchases of motor vehicles other than passenger cars and other transport vehicles.
Community, Social and Personal Services refer to loans granted to finance customers for services such as public administration and defense, sanitary and similar services, social and related community services, recreation and cultural services and personal and household services.
