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Usually there is a clear line of authority to follow. Undoubtedly, this will impact the banks' interest income trends in the fourth quarter of 2021 (4Q21). UOB Kay Hian Research further said that the overall impact of this interest waiver will be relatively manageable for the banks, given the relatively low composition of low-income loan customers with the commercial banks, coupled with the short three-month period of interest exemption. Based on Bank Negara Malaysia's Financial Stability Review, Second Half 2020, borrowers with income Clobex Spray (Clobetasol Propionate Spray)- FDA up to RM5,000 contribute to 37.

RHB Research pointed out that the sparse details have made it difficult to make a reasonable assessment of the impact. It also shared that from its conversations with various management teams, the decision by MOF has also surprised the banks. RHB Research believes that if the waiver of interest includes mortgages and indications for treatment receive no assistance from Bank Negara Malaysia, it could potentially worsen the impact on banks.

The research house sees close to RM2. On the other hand, UOB Kay Hian Research estimated the potential 2021 sector earnings impact to come in at roche lipikar. Under UOB Kay Hian Research's worst case scenario, in which all B50 are to opt in for the Clobex Spray (Clobetasol Propionate Spray)- FDA for the interest exemption, it sees a total impact of 8.

This is also manageable in its view. As for MIDF Research, it said that the impact on earnings for banks under its coverage will only be 3. AMMB Holdings Bhd took the lead with 0. Alliance Bank Malaysia Bhd, Affin Bank Bhd, Public Bank Bhd remained unchanged at RM2. Read also: PM: Govt in talks with lenders to waive interest fees Clobex Spray (Clobetasol Propionate Spray)- FDA loan moratorium repayments MoF instructs banks to work on interest payment exemption for recipients of loan moratorium googletag.

However, most analysts opine that the impact on banks from this newest development is manageable. That said, there is still much ambiguity surrounding this issue.

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