Domestic Ringgit Borrowing refers to any ringgit-denominated financing or credit facilities, including (but not limited to):

• Ringgit advances, loans, and trade financing facilities

• Hire purchase facilities

• Factoring facilities with recourse

• Financial leasing facilities

• Guarantees for payment of goods

• Redeemable preference shares or similar facilities, regardless of the name or form

The following facilities are excluded from Domestic Ringgit Borrowing:

• Trade credit terms extended by suppliers for all types of goods and services

• Forward foreign exchange contracts entered into with licensed onshore banks

• Performance guarantees and financial guarantees

• One personal housing loan and one vehicle loan obtained from residents

• Credit card and charge card facilities

• Operational leasing facilities

• Factoring facilities without recourse

• Inter-company borrowings within a corporate group in Malaysia