Operational Risk Reporting (ORR)

• Frequently Asked Questions

• Discussion Paper on Operational Resilience
• Feedback Template

Related Party Transactions

Broader Application of Ta'awun in Takaful

• Feedback Statement on Exposure Draft on Ta'awun in Takaful

Risk Management in Technology (RMiT)

Exposure Draft on Open Finance

Management of Customer Information and Permitted Disclosures

1. Appendix I - Template for reporting customer information breach
2. Appendix V - Template for application for disclosure of customer information

Discussion Paper on Asset Tokenisation in the Malaysian Financial Sector

Discussion Paper on Artificial Intelligence in the Malaysian Financial Sector

Transfers of business

• Frequently Asked Questions

Complaints Handling

• Feedback Statement

Climate Risk Management and Scenario Analysis

Insurers and Takaful Operators-Repairers Code of Conduct

Islamic Financial Services (Financial Ombudsman Scheme) (Amendment) Regulations 2024

Financial Services (Financial Ombudsman Scheme) (Amendment) Regulations 2024

Credit Risk

Product Transparency and Disclosure

Shariah Contract Framework

• Feedback Form (Excel format)

Climate Risk Stress Testing Methodology Paper

• BNM CRST Frequently Asked Questions (FAQs) V3.0
• BNM CRST Feedback Statement
• BNM CRST Scenario & MEV Data
• BNM CRST Gross Value Added by Sector
• [Banks] BNM CRST Reporting Template V5.0 (2025)
• [ITO] BNM CRST Reporting Template V3.0 (2025)

Proposed Full Transition to MYOR / MYOR-i and Cessation of KLIBOR

Licensing and Regulatory Framework for Digital Insurers and Takaful Operators

• Frequently Asked Questions *Updated

1. Claims Settlement Practices (Bahasa Melayu version)
   • Frequently Asked Questions on the Policy Document
   • Feedback Statement on the Exposure Draft

Risk-Based Capital Framework for Insurers and Takaful Operators

Broader Application of Ta`awun in Takaful

Electronic Know-Your-Customer (e-KYC)

• Frequently Asked Questions

Fair Treatment of Financial Consumers

• Exposure Draft on Fair Treatment of Vulnerable Consumers Feedback Statement: Summary of Key Feedback Received and BNM's Responses   
• Frequently Asked Questions (FAQ)  

• Medical and Health Insurance/Takaful Business
• Feedback Statement from the Exposure Draft on Medical and Health Insurance/Takaful Business

Financial Technology Regulatory Sandbox Framework

• Frequently Asked Questions
• Standard Sandbox Application Form
• Green Lane Application Form

Anti-Money Laundering, Countering Financing of Terrorism, Countering Proliferation Financing and Targeted Financial Sanctions for Financial Institutions (AML/CFT/CPF and TFS for FIs)

Hajah and Darurah (effective 2 Jan. 2025)

• Frequently Asked Questions

Responsibility Mapping (effective 1 Jan 2026)

• Feedback Statement

Public Consultation on Insurers/Takaful Operators-Repairers Code of Conduct

Management of Participating Life Business (updated 21 July 2023, effective 1 July 2024)

Management of Insurance Funds (effective 1 July 2024)

Operating Cost Controls for General Insurance and Takaful Business

• OCC Reporting Template

Registration Procedures and Requirements on Professionalism of Adjusters

• Feedback Statement
• Frequently Asked Questions
• Gazette Order
• Registration Form to Carry on Adjusting Business

Professionalism of Insurance and Takaful Agents

• Summary of key feedback received from the Public Consultation and BNM’s responses

Universal Life Business

Investment-Linked Business

Liquidity Facility to Licensed Insurers and Takaful Operators

Business Continuity Management

• Attachment 1: Level of Disruption (LoD) Reporting Template (xlsx)
• Attachment 2: Cyber Incident Scoring System (CISS) Form (xlsx)
• Feedback Statement

Hajah and Darurah

Licensing Framework for Digital Insurers and Takaful Operators (DITOs)

Financial Condition Report

2024 Climate Risk Stress Testing (CRST) Exercise

• Attachment 1: Feedback Template for the Discussion Paper (xlsx format)

Bancassurance/Bancatakaful

• Public Feedback Statement

Granting of Credit Facilities

Financial Reporting

Financial Reporting for Takaful Operators

Discussion Paper on Broader Application of Ta`awun in Takaful

Application to Carry on Approved Insurance Broker and/or Takaful Broker

• Application Form for New of Insurance Broker and/or Takaful Broker Business
• Application Form for Renewal of Insurance Broker and/or Takaful Broker Business
• Frequently Asked Questions

Code of Conduct For Malaysia Wholesale Financial Markets

Perlindungan Tenang

Risk-Based Capital Framework for Insurers and Takaful Operators (Framework Design)

• Response Template

Climate Change and Principle-based Taxonomy

Soalan Lazim

Issuance of Redemption Statement and Release of Original Title of Immovable Property

Application Procedures for Acquisition of Interest in Shares and to be a Financial Holding Company

Application Procedures for New Licences under Financial Services Act 2013 and Islamic Financial Services Act 2013

Equity Investment

Operating Cost Controls for Life Insurance and Family Takaful Business

Frequently Asked Questions

Outsourcing

• Frequently Asked Questions

Shariah Governance

• Response to Feedback Received

Takaful Operational Framework

• Response to feedback received

Tawarruq

Risk-Based Capital Framework for Takaful Operators

• Attachment 1
• Attachment 2
• Attachment 3

Risk-Based Capital Framework for Insurers

• Attachment 1
• Attachment 2
• Attachment 3

Direct Distribution Channels for Pure Protection Products

• Frequently Asked Questions

Rahn

• Response to Feedback

Trade Credit Insurance and Trade Credit Takaful

• Attachment 1
• Attachment 2

Employee Screening

• Response to Feedback
• Reference Template
• FAQ - Employee Screening

Principles for a Fair and Effective Financial Market for the Malaysian Financial Market

• Response to Feedback Received

Management of Customer Information and Permitted Disclosure

Code of Conduct for Malaysia Wholesale Financial Markets ** UPDATED 2020/04/22

• Response to feedback received

Regulated Short-Selling of Securities in the Wholesale Money Market

• Request for Feedback

Wa'd

• Response to feedback received

Prohibited Business Conduct

• Response to feedback received

Stress Testing

• Response to feedback received

Internal Capital Adequacy Assessment Process for Takaful Operators

• Response to feedback received

Phased Liberalisation of Motor and Fire Tariffs

Shareholder Suitability

• Response to feedback received

Corporate Governance

• Response to feedback received

Stress Testing

• Response to feedback received

Internal Capital Adequacy Assessment Process for Takaful Operators

• Statement of Feedback

Life insurance and Family Takaful Framework

Compliance

• Response to feedback received

Islamic Financial Services (Financial Ombudsman Scheme) Regulations 2015

Financial Services (Financial Ombudsman Scheme) Regulations 2015

Regulatory Treatment of BNM Mudarabah Certificate (BMC) for Licensed Insurers and Licensed Takaful Operators

Introduction of New Products by Insurers and Takaful Operators

• Attachment

Appointed Actuary: Appointment and Duties (for reinsurers and retakaful operators)

Appointed Actuary : Appointment and Duties

• Response to Feedback Received

External Auditor

Murabahah

Revised BNM/APP and BNM/DIR Application Forms and Statutory Declaration Form

• Related attachment : Revised Forms
• Related attachment : Forms related to Insurance companies

Fit and Proper Criteria

Application to be Approved as Financial Holding Company Pursuant to Sections 280(2) and 280(3) of the Financial Services Act 2013 and Section 290(1) of the Islamic Financial Services Act 2013

Related Party Transactions

Risk Governance

Resolutions of Shariah Advisory Council of Bank Negara Malaysia 2010 - 2011

Guidelines on Data Management and MIS Framework

Guidelines on Internal Capital Adequacy Assessment Process (ICAAP) for Insurers

• Related attachment: Implementation Guidance on ICAAP Guidelines
• Related attachment: FAQ on Guidelines on Internal Capital Adequacy Assessment Process for Insurers & Implementation Guidance (IG)

Guidelines on Ibra' (Rebate) for Sale-Based Financing * Same guideline applies to Banking, Insurance & Takaful and Development Financial Institutions

Market Value of Motor Vehicles

Guidelines on Valuation Basis for Liabilities of Family Takaful Business

• Related attachment: FAQ on Guidelines on Valuation Basis for Liabilities of Family Takaful Business

Guidelines on Valuation Basis for Liabilities of General Takaful Business

• Related attachment: FAQ on Guidelines on Valuation Basis for Liabilities of General Takaful Business

Guidelines on Investment Management for Takaful Operators

Revised Guidelines on Derivatives for Insurers

Internet Takaful

Guidelines on Internet Insurance