Samkor, impressed prof really pro
Oh yeah, I missed out MBB which I believe it uses blended COF  (the actual COF) instead of KLIBOR as its reference.  So its BR rate is supposed to be closer to FD/CASA.  Theoretically, banks  like MBB that uses blended COF may see relatively less volatility in their BR as its liability components which comprises FD will be repriced slower.  This implies 2 things - if OPR hikes, then its BR will adjust up slower / smaller and vice versa. Nevertheless, since I / we do not have the privy access to their BR computation methodology, I presume the BR adjustment is elastic and timely to reflect the change in some key reference rate, eg OPR which will have widespread effect to all the funding cost. 

For banks that have effective cost control this will give them more room to play around with their spread and remain competitive in the market.

As for your presumption stated in the 2nd part of your note, in terms of quantum different banks will have different amount of statutory funds to be kept but same rate 4% applied across all banks.  Naturally banks with higher eligible liability will have higher funds to be reserved for that regulatory purpose.  But again, how significant is the weightage of it in BR calculatotion will depend on the methodology used by each banks.

Jason gor, thanks for the information...  

Have done some reading and there is clearer picture now..

BR = Benchmark cost of fund + SRR 
Spread = profit margin + operating cost + credit risk + liquidity risk

There are 3 types of reference rate - base rate, benchmark cost of fund, actual cost of fund index. All three have strong correlations with COF. Apparently, the approach adopted by Bank Negara is Reference rate = Benchmark cost of fund + SRR.

Bank Negara gives flexibility to the bank to adopt their choice / methodology of Benchmark Cost of Fund. 90% bank choose to use 3M KLIBOR as Benchmark COF, but there is still 10% banks choose to use "Internal Funding Cost" as the Benchmark COF instead. I think the obvious case here would be Maybank, due to their super low BR (3.2%), I suspect they are not using the 3M KLIBOR as the Benchmark COF. Public bank maybe another case as well.

Therefore, the divergence in base rate methodologies could lead to uneven adjustment to base rate when there is changes in OPR or KLIBOR. Bank Negara expects that Internal funding Cost-based BR shall be adjusted less than the KLIBOR-based BR.

Majority banks propose that when there is a change of 5-10 base points in the benchmark of COF, it will trigger the change of the BR.

Notes:

1.) I presume the formula that is being used by the banks for calculating the BR all are same. The variation only rely on which type of benchmark cost of funding the bank is using - either internal fund or KLIBOR.

2.) I presume Bank Negara also provide a time frame for the banks to capture the KLIBOR data. They cannot varies too much between different banks within the same time frame. Therefore, I believe the variation in BR for different banks that adopt the KLIBOR-based COF mostly is due to the SRR components. SRR is the fund deposited to the Central Bank according to the bank liability. Therefore, I believe the variation in bank liability is much higher compare to the KLIBOR and hence carry more weightage in terms of BR variation.

Excellent piece of info... Gain some new knowledge today...   

Based on this, it is hard to preclude me assuming Jason gor profession is in finance/actuarial science...   

So complicated! But thanks for sharing!

Thank you Dr Sam and "Prof" JasonCat for the information and details on this most relevant matter. It is a potentially "high impact" sharing ....           

Excellent piece of info... Gain some new knowledge today...   

Based on this, it is hard to preclude me assuming Jason gor profession is in finance/actuarial science...   

Which part looks complicated?     

Thank you Dr Sam and "Prof" JasonCat for the information and details on this most relevant matter. It is a potentially "high impact" sharing ....           

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Lol with that price a lot of places can be considered but it's matter of personal preference and how they assess their investment decision.

Hi guys, I feel wanna buy semi d 40x80 in masjectic. Any advice for me?
I worried will stuck in bank approval

Hi guys, I feel wanna buy semi d 40x80 in masjectic. Any advice for me?
I worried will stuck in bank approval

What sort of advice you need?  If you are worried about loan approval, have you done a self-assessment on your DSR and actual repayment capacity?  If not, have you talked to any bankers yet?

for myself i very noob in maths and number figure...i pass my info to proper banker for "pre acessment".the result i get is quite satisfactory too....