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The Bank Letter of Reference is a crucial document in the Malaysian banking sector, commonly requested for various business and personal purposes. This document is issued by banks under the regulatory framework of the Financial Services Act 2013 and Bank Negara Malaysia guidelines. It serves as an official testimony of a customer's banking relationship, typically including information about account maintenance, length of relationship, and general standing with the bank. The letter is frequently required for visa applications, business partnerships, property rentals, and other situations where formal verification of banking relationships is needed. While maintaining customer confidentiality under Malaysian data protection laws, the Bank Letter of Reference provides third parties with reliable information about a customer's banking profile and financial responsibility.

1. Bank Letterhead and Date: Official bank letterhead with complete contact information and current date

2. Reference Number: Unique identifier for the letter for tracking and future reference

3. Recipient Details: Name and address of the party to whom the letter is addressed

4. Subject Line: Clear indication that this is a Letter of Reference for the named customer

5. Account Holder Information: Customer's name and basic identifying information

6. Relationship Declaration: Statement confirming the banking relationship and its duration

7. Account Standing: General statement about the customer's standing with the bank

8. Closing Statement: Standard disclaimer and contact information for verification

9. Authorized Signatory: Name, title, and signature of the authorized bank officer