Client Charter

We determine to give an efficient, friendly and honest service to clients based on the following:

Duration of Application Processes, Disbursement of Loans and Discharge

Loans application received with complete information shall be processed immediately and the decision on the application shall be notified within 30 working days from the date of acceptance of the application.

Loans disbursement shall be processed immediately upon receiving notice of drawdown within 7 working days from the date of acceptance of the notice provided that all conditions and terms are met / fullfilled.

All matters pertaining to the Discharge of Charge and discharge of the Guarantors shall be made within 10 working days from the date of full and final settlement of the amount outstanding.

List Of Document / Information Required For Loans Processing

Letter of application from the applicant (to state the loan amount applied and the purpose of financing).



Company And Management Profiles


Background of company including brief history, commencement of business, principal activities, number of employees, business plan etc.

Latest shareholding structure.

Profile of Shareholders.

Profile of Board of Directors.

Profile of Key Management Personnel.

Memorandum & Articles of Association (M&A).

Latest Forms 24, 49, 9, 13 and 44 under the Companies Act 1965, latest annual returns and photocopy of NRIC of Directors.

Detailed list of completed projects (where applicable).

Detailed list of on-going projects (where applicable).



Financial Information


Audited Account for the past three (3) years.

Draft Audited Account for current year (where applicable).

Latest Management Accounts.



Existing Banking Facilities


Details of existing bank borrowings, incorporating name of financial institution, facilities, salient term, securities and latest balance outstanding.

Copies of Loan Agreements/Letter Offer.

Collateral / Security Sharing Agreements.

Latest 6 months current account statements for all banks accounts.

Latest 6 months statements for all loan / hire purchase / lease accounts.



Other Documents


Full valuation report on project land / asset / machinery / equipment / second hand vessel (where applicable).

Details and status of the land and copy of land title (where applicable).

Declaration form (DFIA 2002, Section 28) to be signed by individual director / individual shareholder / guarantor in the presence of Commissioner of Oath.

Personal Networth Statement to be filled in by individual guarantor.

Statutory documents and information of corporate guarantors (where applicable)

Memorandum & Articles of Association, Latest Forms 24, 49, 9, 13 and 44 under the Companies Act 1965, latest annual returns and photocopy of NRIC of Directors.

Any other relevant information related to the proposal (company / securities / guarantor / project etc).

Note: The Bank may require additional relevant information where necessary.


The applicant must be registered and incorporated in Malaysia.

The legal entity of the applicants can either be a Company, Co-operative or Statutory Body.

The applicant must be majority-owned by Malaysians with at least 51% shareholding.

The applicant shall not fall within the category for whom the granting of credit facilities is prohibited under Section 28(3) of the Development Financial Institutions Act (DFIA) 2002 and comply with AML/CFT requirements.

BPMB may not grant any credit facilities to any company where one or more of its Directors (who provide gurantee) is/are facing legal action by other financial institutions.
Frequency of Statement of Account

The Statement of Account shall be issued to clients upon request.

Time Taken To Review Appeal And Revert To Customer

BPMB shall review the appeal and revert within 30 working days from the date of appeal is received. Unsuccessful credit application will be informed in writing. An appeal can be submitted in writing to:

Business Banking Group 

Bank Pembangunan Malaysia Berhad
Menara Bank Pembangunan, Bandar Wawasan
1016, Jalan Sultan Ismail
50250 Kuala Lumpur.

Tel: +6 03 2611 3888
Fax: +6 03 2698 5701