APF-i Assessment 2026

1. 1. If the APF-i BT has approved lower amount than applied amount, the application will be approved and fund will be disburse according to the payment hierarchy without any customer notification.

    

• a) True, bank will directly disburse the fund into account stated in application form.

• b) False, bank will SNAG the application with CTO ( Counter Offer ) and CCSSR need to inform and confirm with customer.

2.For APF-i sales enrolment, during the PDPA script, if the customer asked what the purpose of PDPA is and refused to confirm his agreement, after our explanation on PDPA to customer, we can continue the application without a clear YES from customer.

• a) True

• b) False

3.The APF-i flat rate can be break down into a monthly profit rate. For example, if the cm yearly profit rate is 10.75%, the monthly profit rate is 0.89%

• a) True

• b) False

4. 4. If a customer is our generic customer who has no tagging in the Lyrical, and the customer is eligible to apply RM80, 000, what will be the pricing to offer the customer?

• a) 10.75%

• b) 9.88%

• c) 8.88%

• d) 7.88%

5. 5. The customer is an ETB and also a self employed however no tagging , and would like to apply for APF-i, what will be the max amount the we can offer to customer?

• a) RM80,000

• b) RM150,000

• c) RM250,000

• d) Cannot proceed . Not allowed to offer for self employed customer if there is no tagging .

6. 6. We are allowed to proceed for APFi application if the customer's age is 59 according to his/her last birthday.

• a) True

• b) False

7. 7. We can offer AP9 to customer whose existing PIL MOB > 12 months only.

• a) True

• b) False

8. 8. Which statement is FALSE about Amanah Personal Financing-i (APF-i)?

• a) Simple cash financing

• b) Clean personal term financing with no collateral required

• c) Based on Islamic concept: Commodity Murabahah transaction  

• d) It is a financing for the Bumiputera only, based on Islamic banking

9. 9. Minimum amount for APF-i Top Up is RM6000?

• a) True

• b) False

10. 10. The customer is NTB and interest to apply for an APF-i, what will be the pricing offer to the customer?

• a) Followed the Board Rate which is 10.75%

• b) Followed the PIL Generic Table which is 7.88% - 11.88%

• c) Followed the PIL Preselect Table

• d) Cannot proceed with APF-i application.