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I express my appreciation to the banking industry for responding to the MADANI Government's recommendations to strengthen financial inclusion through several measures, including the introduction of Basic Credit Cards and the abolition of the RM1 charge for cash withdrawals at bank ATMs from 1 July 2026. The Basic Credit Card will give the people a simpler, more affordable and responsible credit option, while the abolition of ATM charges involves more than 14,000 ATMs nationwide. This Basic Credit Card prioritizes lower financing costs over lifestyle rewards, with financing rates capped at 14% per annum compared to the current maximum of 18% per annum. The credit limit is also set at a more controlled level to encourage the prudent use of credit. For borrowers and PMKS affected by the global supply crisis and conflicts in West Asia, banks also provide targeted assistance including scheduling and restructuring loans, reducing installments and extending loan periods. So far, more than RM4.7 billion in financing has been processed through loan scheduling and restructuring, while approximately RM1 billion has been approved for around 1,500 SME borrowers through the SME Stability Assistance Facility. The MADANI government will continue to work with Bank Negara Malaysia and the banking industry to ensure that the country's financial system remains stable, inclusive and in favor of the people. #MalaysiaMADANI #YakinMADANI #ECONOMYMADANI
Notes
Saya merakamkan penghargaan kepada industri perbankan yang menyahut saranan Kerajaan MADANI untuk memperkukuh keterangkuman kewangan melalui beberapa langkah, termasuk pengenalan Kad Kredit Asas dan pemansuhan caj RM1 bagi pengeluaran wang tunai di ATM bank mulai 1 Julai 2026. Kad Kredit Asas akan memberi pilihan kredit yang lebih ringkas, berpatutan dan bertanggungjawab kepada rakyat, manakala pemansuhan caj ATM melibatkan lebih 14,000 ATM di seluruh negara. Kad Kredit Asas ini memberi keutamaan kepada kos pembiayaan yang lebih rendah ketimbang ganjaran gaya hidup, dengan kadar pembiayaan dihadkan pada 14% setahun ketimbang had tertinggi 18% setahun pada masa ini. Had kredit juga ditetapkan pada paras lebih terkawal bagi menggalakkan penggunaan kredit secara berhemat. Bagi peminjam dan PMKS yang terkesan akibat krisis bekalan global dan konflik di Asia Barat, bank-bank turut menyediakan bantuan bersasar termasuk penjadualan dan penstrukturan semula pinjaman, pengurangan ansuran serta pelanjutan tempoh pinjaman. Setakat ini, lebih RM4.7 bilion pembiayaan telah diproses melalui penjadualan dan penstrukturan semula pinjaman, manakala kira-kira RM1 bilion telah diluluskan kepada sekitar 1,500 peminjam PKS melalui Kemudahan Bantuan Kestabilan PKS. Kerajaan MADANI akan terus bekerjasama dengan Bank Negara Malaysia dan industri perbankan bagi memastikan sistem kewangan negara kekal stabil, terangkum dan berpihak kepada rakyat. #MalaysiaMADANI #YakinMADANI #EkonomiMADANI