The demographic facts toward non performing loan: case study of BSN Sarawak / Richard Juman Andrew Mang

Bank Simpanan Nasional (BSN) was incorporated on Is' December 1974 under the Ministry of Finance. With it incorporation, BSN has taken over all duties and responsibilities of the Post Office Savings Bank. BSN’s mission is to encourage savings, investments and smart financial management among Malaysians to increase their quality of life. BSN has more than 5,000 employees and more than 350 networks of branches. BSN also provides automatic teller machine (ATM) and Cash Deposit Machine (CDM) nationwide. BSN has more than 7 million customers spread throughout the length and breadth of the country and with savings of more than RM 8 billion. BSN is continuously enhancing its services as well as expanding its range of products for the benefit of its customers. BSN’s main products include Personal Financing, Home Loan, Premium Saving Certificate (SSP), Islamic Banking Scheme, Giro Savings Account, BSN Matrix and Matrix-i Debit Card as well as VISA and MasterCard credit card.