Issued by the bank to certify that a certain sum in MYR or Foreign Currency has been deposited with the issuing bank. Has a fixed tenor at a specified rate of interest (coupon rate may be fixed, floating or zero). Can be bought or sold to a third party, but cannot be redeemed before its maturity.

Provides an alternative investment avenue for customers to place their excess funds with bank at a more flexible tenor as compared to the rigid tenor of fixed deposits.

A Bill of Exchange drawn on and accepted by a bank with a specific maturity date to finance a customer for a trade transaction such as export, import and domestic trade. Trade companies may use this financing facility as a flexible source of working capital. Others may purchase issued BAs from banks as short term investments. A negotiable instrument that may be sold to other investors if the owner of the BA wishes to redeem the principal.