Press Releases

The Association of Banks In Malaysia

Applications for URUS Now Extended

Kuala Lumpur, Tuesday, 25 January 2022 – The Association of Banks in Malaysia (ABM), Association of Islamic Banking and Financial Institutions Malaysia (AIBIM), Association of Development Finance Institutions of Malaysia (ADFIM) and Agensi Kaunseling dan Pengurusan Kredit (AKPK) wish to announce that the closing date for the submission of applications for the Financial Management and Resilience Programme (Program Pengurusan dan Ketahanan Kewangan, URUS) has now been extended from 31 January 2022 to 31 March 2022.  Eligible B50 customers who are in need of further financial assistance may apply for URUS with their banks by 31 March 2022.

Individual customers who are under an existing repayment assistance programme provided by the banks as at 30 September 2021 and meet all of the following criteria may apply for URUS:

  • B50 customers with gross monthly household income of RM5,880 or lower;
  • Who are experiencing:
    • loss of employment; or
    • income reduction of at least 50%; and
  • Whose loan/financing facility is still performing (not in arrears exceeding 90 days) as at the date of URUS application.

Eligible customers who wish to apply for URUS may do so via their banks’ internet banking or telephone banking channels, or walk-in at branches. To ease the application process, customers who have loan/financing facilities from multiple banks only need to apply to any one of their banks where they currently have performing facilities under an existing repayment assistance programme.

In addition, for eligible B50 customers who have signed up for the banks' flood relief assistance programmes, the URUS application closing date has been extended to 31 July 2022, or upon the expiry of the flood relief assistance programme, whichever is earlier. For more details, please refer to the FAQs on URUS which are available on the banks’ websites and at their branches, as well on the banking associations’ and AKPK’s websites.

Banks remain committed to assisting their customers during this challenging period, and are mindful that customers would require time to get back on their feet financially as the economy gradually recovers.  Customers who are still in need of financial assistance but do not qualify for URUS are encouraged to contact their banks to discuss other repayment arrangements that can be tailored to their financial circumstances.   

We would like to remind customers not to engage with any third parties claiming to be agents/representatives of the banks in relation to repayment assistance matters. Banks and AKPK do not appoint or authorise any third parties or agents to act on their behalf for this purpose.




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The Association of Banks in Malaysia (ABM) was formed in November 1973. Our membership is currently made up of the 26 commercial banks operating in Malaysia.

Since its inception, ABM has been actively involved in various initiatives to promote and strengthen the commercial banking industry to become more resilient, effective and efficient.

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ABMConnect : 1300-88-9980

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