Weighted ALR
Data as of 31 Jul 2023, 23:59Average rate on outstanding loans across commercial banks during the month
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How is this data produced?
Bank Negara Malaysia (BNM) is the overseer which safeguards the public's financial interests. Accordingly, BNM tracks various interest rates of concern in real time. That data is summarised here at monthly frequency.
What caveats I should bear in mind when using this data?
There are several nuances to bear in mind when using this data:
- From August 2000 onwards, the Fixed Deposit Rate series for Commercial Banks and Investment Banks have been revised. Data for x-month fixed deposit rate refers to the quoted rate for that particular maturity alone. (Data prior to this date continue to reflect the average maturity).
- Effective 1 August 2022, the Standardised Base Rate replaced the Base Rate (BR) as the reference rate for new retail floating-rate loans. Existing BR- and BLR-based loans applied before the effective date will continue to be referenced against the BR and BLR respectively. However, after the effective date, the BR and BLR will move exactly in tandem with the Standardised Base Rate as any adjustments to the Standardised Base Rate will simultaneously be reflected in the corresponding adjustments to the BR and BLR.
- Since March 2012, the following banks were included in the computation of the average lending rate: Industrial and Commercial Bank of China from November 2010 onwards; Sumitomo Mitsui Banking Corporation from May 2011 onwards; Mizuho Corporation Bank (M) Berhad and BNP Paribas Malaysia Berhad from December 2011 onwards.
Publication(s) using this data
This dataset is also published as part of BNM's monthly highlights and statistics.
Metadata
Dataset description
This dataset presents the various interest rates monitored by Bank Negara Malaysia, such as fixed deposit rates, base rates, and lending rates.
Variable definitions
- Date
- Fixed Deposit Rate (1 month)
- Fixed Deposit Rate (3 months)
- Fixed Deposit Rate (6 months)
- Fixed Deposit Rate (9 months)
- Fixed Deposit Rate (12 months)
- Weighted Average FD Rate (1 month)
- Weighted Average FD Rate (3 months)
- Weighted Average FD Rate (6 months)
- Weighted Average FD Rate (9 months)
- Weighted Average FD Rate (12 months)
- Savings Deposit Rate
- Weighted Average Savings Deposit Rate
- Base Rate
- Weighted Average Base Rate
- Base Lending Rate
- Weighted Average BLR
- Average Lending Rate
- IB FD Rate (1 month)
- IB FD Rate (3 months)
- IB FD Rate (6 months)
- IB FD Rate (9 months)
- IB FD Rate (12 months)
- IB ALR
- Weighted ALR
Last updated:
31 Aug 2023, 23:59
Next update
30 Sept 2023, 23:59
Data source(s)
- BNM
URLs to dataset
License
This data is made open under the Creative Commons Attribution 4.0 International License (CC BY 4.0). A human-readable copy of the license is available Here.
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Code
Connect directly to the data with Python.
# If not already installed, do: pip install pandas fastparquet
import pandas as pd
URL_DATA = 'https://storage.data.gov.my/finsector/interestrates.parquet'
df = pd.read_parquet(URL_DATA)
if 'date' in df.columns: df['date'] = pd.to_datetime(df['date'])
print(df)Sample OpenAPI query
import requests
import pprint
url = "https://api.data.gov.my/data-catalogue?id=interestrates&limit=3"
response_json = requests.get(url=url).json()
pprint.pprint(response_json)
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