my savings in ASB is RM20,000.00

i got 425.83...so any one can explain for me?

it look like you start saving in oct 2009

Read the back pages of this thread...answer is there...complete with example and detailed calculation.
In summary, u will be paid div prorated on monthly basis, but payment date is after the div declaration...similar to EPF div calculation.

If you had 10,00 on 1 Jan 2009 and you deposit another 6,000 on 15 Jun 2009 and another 4,000 on 10 Dec 2009
you will get Full year dividend for the 10,000 @ 7.5% = 750
and get  Jul to Dec or 6 month dividend for your 6,000 @ 7.5% for 6/12 year= 225
you will not get any dividend for your 4,000 as the month is not complete
the basis of calculation of the Bonus for the 1.05% change yearly. I think if you had not kept the investment for more than 5 years you will get less than the 1.05.
I don't think you will get anything for the 6000  and 4000 above.
Depending when you had deposited your 10,000 you may get a varying percentage.
I hope it help
0op...
ASB declared 7.30% dividend and 1.25% bonus for 2009.