Articles

Malaysia Money & Credit (Jan 2026) - 2 March 2026

Liquidity softens but seasonal loan rebound still expected

Broad money (M3) growth slowed sharply to 3.4% YoY (Dec: 4.1%), the lowest in seven months

  • Key drivers: The slowdown was mainly due to weaker foreign currency deposits (-2.6%; Dec: 2.2%), subtracting 0.3 ppts (Dec: 0.3%) from overall M3 growth. However, strong demand deposits (11.0%; Dec: 10.3%) helped partly offset the slowdown.
  • MoM (-0.5%; Dec: 1.6%): The sharpest monthly fall since July 2016 (-0.8%), contracting by RM13.1b, after December’s record jump.