hi ! great topic and i happen to have a confusing situation. To make explanation easier, let me put it in numbers.

A) Gross: 5k

DEDUCTIONS
B) EPF/SOCSO etc: 700
C) Deduction for savings (ASB, Tabung Haji, Koperasi etc): 250
D) Biro Angkasa (for bank loans, Bank Rakyat, BSN etc): 300
E) Biro Angkasa (for non-bank loans i.e: Govt,MBSB, Koperasi etc): 400

OTHER COMMITMENTS
F) HP: 500

Question no 1
How does banks treat deductions for savings ©

Question no 2
How does bank treat loans paid through Biro Angkasa deductions? For case D and case E.
I know that E also appears in CCRIS report, but not too sure regarding case D. Let's assume it's not in CCRIS.
- Is deduction by Biro Angkasa for both cases calculated as commitment outside payslip or included in the calculation for nett income?

Question no 3
How do i calculate DSR from here?

If i take nett income as nett income stated in the payslip = A - B - C - D - E = 3,350
DSR would be 14.9%

But if i take nett income as A-B = 4,300 and commitment as C+D+E+F=1,450
DSR would be 33.7%

And depending on the answer for question no 1 and 2, the DSR would differ again.