Key information about Malaysia Bank Lending Rate

• Malaysia Bank Lending Rate was reported at 5.062 % pa in Jan 2025.
• This records a decrease from the previous number of 5.111 % pa for Dec 2024.
• Malaysia Bank Lending Rate data is updated monthly, averaging 5.231 % pa from Jan 1996 to Jan 2025, with 349 observations.
• The data reached an all-time high of 13.540 % pa in May 1998 and a record low of 3.277 % pa in Jan 2022.
• Malaysia Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Bank Negara Malaysia provides monthly weighted average Bank Lending Rate.

Bank Lending Rate in Malaysia increased to 4.94 percent in May from 4.92 percent in April of 2025. This dataset provides - Malaysia Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Bank Lending Rate Malaysia dilaporkan sebesar 5.062 % pa pada 2025-01. Rekor ini turun dibanding sebelumnya yaitu 5.111 % pa untuk 2024-12. Data Bank Lending Rate Malaysia diperbarui bulanan, dengan rata-rata 5.231 % pa dari 1996-01 sampai 2025-01, dengan 349 observasi. Data ini mencapai angka tertinggi sebesar 13.540 % pa pada 1998-05 dan rekor terendah sebesar 3.277 % pa pada 2022-01. Data Bank Lending Rate Malaysia tetap berstatus aktif di CEIC dan dilaporkan oleh CEIC Data. Data dikategorikan dalam Global Economic Monitor World Trend Plus – Table: Bank Lending Rate: Monthly.

Lending interest rate (%) in Malaysia was reported at 5.2827 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Malaysia - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

The real interest rate in Malaysia increased by 9.7 percentage points compared to the previous year. Therefore, the real interest rate in Malaysia reached a peak in 2023 with 7.33 percent. Real interest rate is the adjusted lending interest rate to remove the effects of inflation, as measured by the GDP deflator (implicit price deflator).Find more statistics on other topics about Malaysia with key insights such as number of automated teller machines (ATMs), deposit interest rate, and broad money as a percentage of GDP.

The benchmark interest rate in Malaysia was last recorded at 2.75 percent. This dataset provides - Malaysia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Malaysia Lending Interest Rate data was reported at 4.544 % pa in 2016. This records a decrease from the previous number of 4.585 % pa for 2015. Malaysia Lending Interest Rate data is updated yearly, averaging 6.827 % pa from Dec 1987 (Median) to 2016, with 30 observations. The data reached an all-time high of 12.134 % pa in 1998 and a record low of 4.544 % pa in 2016. Malaysia Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Malaysia – Table MY.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Interest rate spread (lending rate minus deposit rate, %) in Malaysia was reported at 2.6356 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Malaysia - Interest rate spread (lending rate minus deposit rate, %) - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Forecast: Bank Lending Interest Rate in Malaysia 2024 - 2028 Discover more data with ReportLinker!

Malaysia Base Lending Rate: Maybank data was reported at 6.900 % pa in Nov 2018. This stayed constant from the previous number of 6.900 % pa for Oct 2018. Malaysia Base Lending Rate: Maybank data is updated monthly, averaging 6.750 % pa from Jul 1988 (Median) to Nov 2018, with 365 observations. The data reached an all-time high of 12.100 % pa in Jun 1998 and a record low of 5.550 % pa in Feb 2010. Malaysia Base Lending Rate: Maybank data remains active status in CEIC and is reported by Maybank Berhad. The data is categorized under Global Database’s Malaysia – Table MY.M001: Saving and Lending Rates.

Malaysia Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data was reported at 1.462 % pa in 2014. This records a decrease from the previous number of 1.615 % pa for 2013. Malaysia Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data is updated yearly, averaging 3.490 % pa from Dec 1987 (Median) to 2014, with 28 observations. The data reached an all-time high of 7.686 % pa in 1987 and a record low of 1.462 % pa in 2014. Malaysia Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Malaysia – Table MY.World Bank.WDI: Interest Rates. Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the 'risk free' treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics database.; ;

Malaysia Base Rate: Period Average: Commercial Banks data was reported at 3.657 % pa in Mar 2025. This records a decrease from the previous number of 3.657 % pa for Feb 2025. Malaysia Base Rate: Period Average: Commercial Banks data is updated monthly, averaging 3.659 % pa from Jan 2015 (Median) to Mar 2025, with 123 observations. The data reached an all-time high of 3.930 % pa in Apr 2019 and a record low of 2.424 % pa in May 2021. Malaysia Base Rate: Period Average: Commercial Banks data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.M: Saving and Lending Rates.

Malaysia Lending Rate: Weighted Average: Merchant Banks data was reported at 6.540 % pa in Oct 2018. This records a decrease from the previous number of 6.579 % pa for Sep 2018. Malaysia Lending Rate: Weighted Average: Merchant Banks data is updated monthly, averaging 6.940 % pa from Jan 1996 (Median) to Oct 2018, with 274 observations. The data reached an all-time high of 18.710 % pa in Jan 1998 and a record low of 6.204 % pa in Jan 2018. Malaysia Lending Rate: Weighted Average: Merchant Banks data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.M001: Saving and Lending Rates.

Key information about Malaysia Long Term Interest Rate

• Malaysia Government Securities Yield: 10 Years was reported at 3.79 % pa in Feb 2025, compared with 3.81 % pa in the previous month.
• Malaysia Long Term Interest Rate data is updated monthly, available from Feb 1992 to Feb 2025.
• The data reached an all-time high of 8.24 % pa in Jun 1992 and a record low of 2.55 % pa in Jul 2020.
• Long Term Interest Rate is reported by reported by Bank Negara Malaysia.

CEIC calculates monthly Long Term Interest Rate from daily 10 year Government Securities Yield. Bank Negara Malaysia provides 10 year Treasury Bond Yield. Long Term Interest Rate prior to July 2005 is sourced directly from Bank Negara Malaysia. The data are referred to as the market indicative yield to maturity. They are only indicative due to the lack of liquidity and lack of supply of these papers covering a wide spectrum of maturity.


Related information about Malaysia Long Term Interest Rate

• In the latest reports, Malaysia Short Term Interest Rate: Month End: KLIBOR: 3 Months was reported at 3.66 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Overnight Policy Rate) was set at 3.00 % pa in Feb 2025.
• Malaysia Exchange Rate against USD averaged 4.63 (USD/MYR) in Jun 2023.

Malaysia Real Interest Rate data was reported at 2.543 % pa in 2016. This records a decrease from the previous number of 4.978 % pa for 2015. Malaysia Real Interest Rate data is updated yearly, averaging 3.997 % pa from Dec 1987 (Median) to 2016, with 30 observations. The data reached an all-time high of 11.782 % pa in 2009 and a record low of -3.903 % pa in 2008. Malaysia Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Malaysia – Table MY.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

In 2023, the interest rate of savings deposit of commercial banks in Malaysia was at **** percent per annum, a slight increase from **** percent in the previous year. The savings deposit rate has been decreasing in the past four years, from **** percent per annum in 2019.

As of November 2024, the overnight policy rate (OPR) in Malaysia remained at ***** percent. The OPR is a benchmark rate set by the country's central bank, Bank Negara Malaysia (BNM). It is the rate at which financial institutions borrow or lend money overnight, and will affect the interest rates in commercial banks.

In 2023, the deposit interest rate in Malaysia amounted to 2.65 percent. Between 1966 and 2023, the figure dropped by 2.35 percentage points, though the decline followed an uneven course rather than a steady trajectory.

Malaysia Interest Rate Spread data was reported at 1.516 % pa in 2016. This records an increase from the previous number of 1.451 % pa for 2015. Malaysia Interest Rate Spread data is updated yearly, averaging 3.004 % pa from Dec 1987 (Median) to 2016, with 30 observations. The data reached an all-time high of 7.362 % pa in 1987 and a record low of 1.451 % pa in 2015. Malaysia Interest Rate Spread data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Malaysia – Table MY.World Bank.WDI: Interest Rates. Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; Median;

In May 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In early 2025, Russia maintained the highest interest rate at 20 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at -0.1 percent in May 2025. In contrast, Russia maintained a high inflation rate of 9.9 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.