cuz some do ask for epf statemnt lol

As a general rule of thumb, when a revolving credit is extended, they want to make sure that one has the capability to repay their commitment monthly. How can they tell? By asking to see statements such as employee's salary slip, confirmed and corroborated by epf statement and LHDN statements. Since a salary slip can be generated by anyone. the trust increases if your employer is large.

Having said that, some bank's may colaterise your credit line by putting a lien on your fixed deposit, which means you can't withdraw that out as long as that credit line is still extended to you.

Having a lot of money in epf means zero. not even the attorney general of Malaysia can touch it. so it serves no purpose for a lender. epf statement can only show your declared income is genuine.

Priority banking customers are those deemed to have a higher net worth. yet most would still require income documents. it is not automatic.
Private Banking customers are a different category, they are worth 10 or 20 times more than the priority customers. Hence they are given automatic credit line.

hope this helps.