BNM - Muhammad Bin Ibrahim

8/9/2019 BNM - Muhammad Bin Ibrahim

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Edvdnipkjh Eibd}ukm Hivdwjbdju Gije B`wadu

Djc`jmkjh ucd edpuc `je gwdèuc if ucd B`n`{}k`j HivdwjbdjuGije B`wadu

Btc`bbè gkj Kgw`ckbbtceOgjb*hiv*b{Jivdbgdw 7??;



7

G`}k} fiw Wind if G`ja Jdh`w` B`n`{}k` kjedvdnipkjh ucd B`n`{}k`j Hivdwjbdju Gije

B`wadu

Kj ku} wind `} ` g`jadw & fk}m`n `hdju ui ucd Hivdwjbdju if B`n`{}k`. ku k} kj GJB‛} kjudwd}u ui edvdnip ucd hivdwjbdju gije

b`wadu kj iwedw ui f`mknkuùd biwd dffkmkdju pwkmd ek}mivdw{ `} xdnn `}

hwdùdw edpuc & gwdèuc if ucd b`wadu ui djc`jmd ucd Hivdwjbdju‛} fkj`jmkjh ipukij} `je tnukbùdn{ wdetmd ku} mi}u if

fkj`jmd kj ucd nijh"wtj



=


Ivdwvkdx if Hivdwjbdju Gije B`wadu edvdnipbdju }u`hd}

Xcdwd `wd xd jix 9

Xcù mij}ukutud} ` }tmmd}}ftn Hivdwjbdju Gije B`wadu

Djc`jmkjh ucd edpuc & gwdèuc if ucd gije b`wadu

U{pd} if kj}uwtbdju}

Mtwwdju `je ftutwd kjkukùkvd}

Wdhkij`n Kjkukùkvd}

Nd}}ij Nd`wju



0;4; ” 0;3?Dsmnt}kvd B`wadu

0;6?} ui 0;3?}Ipdjkjh Tp <_wd"mwk}k}

edvdnipbdju }u`hd

0;;?}_i}u"mwk}k}

Edvdnipbdju}u`hd

7??? ::B`wadu dffkmkdjm{ <

Edpuc `je gwdèuc

Ivdwvkdx if B`n`{}k`j Hivdwjbdju Gije B`waduEdvdnipbdju ]u`hd}

‧ Ftjekjh wdnkdebtmc ij dsudwj`ngiwwixkjh &}{jekmùde ni`j}*

‧ Fkw}u k}}t`jmd ifB`n`{}k`j

Hivdwjbdju]dmtwkukd} #BH]+kj 0;4; ui bddupdj}kij ftjekjvd}ubdju jdde}1

‧ BH] k}}tde ij `g`}km }uwtmutwd `jejiu uwè`gnd

‧ Xkedw p`wukmkp`ju}kd< pdj}kij ftje.kj}tw`jmdmibp`jkd} &G`ja} #kbpi}d}uùtuiw{

wdtkwdbdju+‧ 0;36 ” wdfiwbde}uwtmutwd if BH]ui `nnix}dmije`w{ b`waduuwèkjh

‧ 0;3; " Kjuwietmd_E }{}udb ui`}}k}u kj pwkb`w{`je }dmije`w{b`wadu}

‧ Mijukjtd ui k}}tdetwkjh fk}m`n}twpnt} kj 0;;="0;;8 ui bddub`wadu edb`je`je b`kju`kj

pwkmkjh fiwgdjmcb`wakjh

‧ X`kvdw fiw }u`bpetu{. u`sdsdbpukij.xkuccinekjh u`s

‧ 7???"D}u`gnk}cde`tmukij m`ndje`w

‧ 7??4 ” Ndjhucdjdeucd {kdne mtwvd g{kjuwietmkjh 7?{wBH]

‧ 7??4 " Kjuwietmdee`kn{ kjekmùkvd{kdne"ui"bùtwku{



4



Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



6

Xcdwd `wd xd jix…

?

0?

7?

=?

5?

4?

6?

MJ CA KE AW B[ _C ]H UC VJ

#$+

Edm 7??? Ltjd 7??;

?

7?

5?

6?

3?

0??

7??? 7??0 7??7 7??= 7??5 7??4 7??6 7??8 7??3 7??;

T]E #gkn+

?$

0?$

7?$

=?$

5?$

4?$

#$+

Hivdwjbdju $ HE_

Hivdwjbdju Gije b`wadu }k|d wdnùkvd ui HE_

‧ @} u Ltjd 7??;. ucd }k|d if ucd

B`n`{}k`j hivdwjbdju gije b`wadu

k} 5;$ if HE_*

‧ Ij vdw`hd. ucd hwixuc wùd if ucd

B`n`{}k`j hivdwjbdju gije b`wadu

k} 0=*4$ pdw `jjtb }kjmd 7???

Ck}uiwkm`n Hivdwjbdju Gije B`wadu }k|d

wdnùkvd ui HE_

?

4??

0???

04??

7???

MJ CA KE AW B[ _C ]H UC VJ

T]E #gkn+

Edm 7??? Ltjd 7??;

]k|d if Wdhkij`n Hivdwjbdju Gije B`wadu} #ds L`p`j+



B`n`{}k`j Hivdwjbdju Gije B`wadu `} pdwmdju`hd if HE_c`} dvinvde ui gdmibd n`whd}u kj ucd @]D@J wdhkij

]itwmd< @}k`jGije}Ijnkjd. eù` `} ù Ltjd"7??;

]k|d if Hivdwjbdju Gije B`wadu#$ if HE_+ 7??;

6

4

5

=

7

0

Mitjuw{ W`ja

07*;Vkduj`b

05*;Kjeijd}k`

=7*6_cknkppkjd}

56*5]kjh`piwd

53*?Uc`kn`je

5;*?B`n`{}k`

]k|d if Hivdwjbdju Gije B`wadu#$ if HE_+

@]D@J Mitjuwkd}

]khjkfkm`ju kjmwd`}d kj }k|d ivdw HE_<

‧ 7??? ” T]E =8*0 gkn #=;*6$ if HE_+

‧ 7??; ” T]E ;6*4 gkn #5;*?$ if HE_+

Vkduj`b

07*;$

Mckj` #5=*6$+

Kjeijd}k`

#05*;$+

_cknkppkjd}

#=7*6$+

Cijh Aijh

#08*6$+

]kjh`piwd

#56*5$+

Uc`kn`je #53$+

B`n`{}k` #5;$+

Aiwd` #40*6$+



3



Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



;

]tmmd}}ftn_wkjmkp`n

Ed`ndw}ckp

Xked

kjvd}uiwg`}d

B`jeùiw{]uùtuiw{

Wdtkwdbdju}

Xkedn{pw`mukmde

hnig`n

mijvdjukij}

‧ Bkjkbtb gke

wdtkwdbdju uidj}twd 0??$}tg}mwkpukij fiwhivdwjbdjuk}}t`jmd}

‧ _wkjmkp`n ed`ndw} `}b`wadu bàdw} uipwivked uxi x`{pwkmd}

‧ Nkgdw nk}dewd}uwkmukij} kbpi}de

ij jij"wd}kedju} uikjvd}u kj BH])HKK

‧ Xkuccinekjh u`sdsdbpukij fiw jij"wd}kedju

‧ @nnix kjudwjùkij`nmnd`w`gknku{ vk` hnig nmt}uiek`j kj}ukutukij}

‧ Kjmnt}kij if BH]kjui Mkukhwitp‛}XHGK ui ùuw`mu

kjvd}uiw}

‧ ]u je`we

kjudwjùkij`nmijvdjukij}#kd< pwkmdm`nmtnùkij.`mu)`mu+

‧ ]u`je`we fiwb}if kj}uwtbdju}#kd< m`}cfnix}.mitpij} dum+

Xcù mij}ukutud} ` }tmmd}}ftn Hivdwjbdju Gije B`wadu…

]tmmd}}ftnHivdwjbdjuGije B`wadu

‧ _dj}kij Ftjebkjkbtbkjvd}ubdjuwdtkwdbdju}

‧ G`ja‛} nktke`}}du

wdtkwdbdju}‧ Kj}tw`jmd

mibp`jkd}bkjkbtb `}}du}wdtkwdbdju}

Mijetmkvdwdhtnùiw{

fw`bdxiwa

‧ D`}kn{ `mmd}}kgnd fkj`jmk`n

b`wadu htkednkjd} & mied ifmijetmu

‧ Dffkmkdju kjfw`}uwtmutwd

]tmmd}}ftnHivdwjbdjuGije B`wadu



0?



Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



00

Eddp &Nktke Gije

B`wadu

Dffkmkdjuk}}t`jmdpwimd}}

Dffkmkdjugdjmcb`wa{kdne mtwvd

Gwièdj k}}tdw &kjvd}uiw g`}d

Kbpwivd nktkeku{ kjucd }dmije`w{

b`wadu

Kjuwietmd wk}ab`j`hdbdjukj}uwtbdju}

Dffiwu} fimt}de ij djc`jmkjh ucd edpuc `je gwdèuc if ucdgije b`wadu



07

Edvdnipkjh `j dffkmkdju gdjmcb`wa {kdne mtwvd…

‧ Dj}twd mijukjtit} }tppn{ if gdjmcb`wap`pdw} ucwithc <

Wdhtn`w k}}t`jmd if =. 4 .0? {d`w}gdjmcb`wa

Wd"ipdjkjh if dskukjh }uima}

]xkumc `tmukij ui wdpn`md iff"ucd"wtj}uima} xkuc jdx gdjmcb`wa }uima

‧ _tgnk}c ucd Hivdwjbdju gije} `tmukijm`ndje`w

‧ Ndjhucdjde b utwku{ ui 7? {w}

‧ _tgnk}c e`kn{ B n`{}k`j Hivdwjbdju]dmtwkukd} #BH]+ [kdne"Ui"Bùtwku{ vk` Ftnn{@tuibùde ]{}udb fiw Udjedwkjh #F@]U+xdg}kud



0=

Edvdnipde Ftnn{ @tuibùde ]{}udb fiw K}}tkjh)Udjedwkjh#F@]U+ xdg}kud fiw dffkmkdju k}}t`jmd pwimd}}…

‧ F@]U x`} edvdnipde kj 0;;6 }

mdjuw nk}de k}}tkjh pnùfiwb fiw `nn

mibpdukukvdn{ tmukijde wkjhhku gije}

‧ @ bdektb if kjfiwbùkij ek}}dbkjùkij

mijmdwjkjh ucd eibd}ukm gije b`wadu

xxx*f`}u*gjb*hiv*b{

Igldmukvd} <

‧ Ui kbpwivd ivdw nn dffkmkdjm{ if ucd

udjedwkjh pwimdetwd}

‧ Ui wdetmd dwwiw} je edn`{} `wk}kjh fwib

b`jt`n c`jenkjh if udjedw}

‧ Ui pwibiud }u`je`wek}ùkij kj gkeekjh `je

pwimd}}kjh if udjedw}

‧ Ui dj}twd ucd kjudhwku{ je mijfkedjuk nku{

if gkeekjh `je udjedw kjfiwbùkij*



05

Dffiwu} ui xkedj k}}tdw `je kjvd}uiw g`}d…

Djmitw`hd p`wukmkpùkijif fiwdkhj

k}}tdw} )kjvd}uiw}

Djmitw`hd wdu`knp`wukmkpùkij

‧ Ji wd}uwkmukij fiw fiwdkhj kjvd}uiw} ui p`wukmkp ud kj ucd eibd}ukm

gije b`wadu

‧ Ji xkuccinekjh u`s ij jij"wd}kedju kjudwd}u kjmibd

‧ ]tpw`jùkij n} `je btnukjùkij`n miwpiwùkij} `wd `nnixde ui k}}td

wkjhhku edjibkjùde }dmtwkukd}*

‧ @nnix kjudwjùkij`n mnd`w`gknku{ if eibd}ukm gije}

‧ Dj}twd BH] k}}t`jmd} ui gd kjmntede kj Mkukg`ja‛} Xiwne

Hivdwjbdju Gije Kjeds #XHGK+ ui ùuw`mu hnig`n kjvd}uiw}

‧ ]duukjh tp if gije ftje} g{ tjku uwt}u mibp`jkd}

‧ K}}t`jmd if ]tata ]kbp`j`j Wà{ù `bitjukjh ui WB4 gknnkij kj

7??;



04

Kbpwivkjh }dmije`w{ b`wadu nktkeku{…

Kjuwietmde Kj}ukutukij`n ]dmtwkukd}Mt}uiek`j _wihw`bbd #K]M@_+ uièewd}} m`pukvd cinekjh kjhivdwjbdju gije b`wadu…

Kj}ukutukij`n

Ndjedw} ) FK}

Giwwix}dmtwkukd}

Ftje}Ndje }dm twkukd}vk` wdp i

Kjudwg`jaKj}ukutukij}

]dmtwkukd}

ndje kjh fdd}

Ht`w`judd

‧ _wkjmkp`n ed`ndw} } b`wadu bàdw} ui pwivkeduxi x`{ pwkmd}

‧ @nnix }ciwu"}dnnkjh ucwithc ucd kjuwietmukij ifWdhtnùde ]ciwu"]dnnkjh Fw`bdxiwa

‧ Kjuwietmde ]dmtwkukd} Giwwixkjh `je Ndjekjh_wihw`bbd #]GN+

‧ Kjuwietmde }xkumc `tmukij ui wdpn`md iff"ucd"wtjk}}t`jmd} xkuc gdjmcb`wa k}}t`jmd}

‧ Wdn`s ucd bkjkbtb kjvd}ubdju wdtkwdbdju} fiw_dj}kij Ftje #D_F+ `je kj}tw`jmd mibp`jkd}

‧ D}u`gnk}cde K]M@_ ui pwibiud ]GN `je wdpi

`mukvkukd} `je ]tata GJB Kl w`c #]GJBK+

Dj}twd ` nktke Hivdwjbdju Gije B`wadu…



06

Edvdnipbdju if wk}a b`j`hdbdju kj}uwtbdju}…

BH] Ftutwd}

Kjudwd}u Wùd ]x`p

ANKGIW Ftutwd}

‧ Kjuwietmde g{ ucd B`n`{}k`j Edwkvùkvd} Dsmc`jhd #BEDS+

‧ 4"{d`w BH] ftutwd} mijuw`mu x`} kjuwietmde kj B`wmc 7??7.finnixde g{ ucd = `je 0?"{d`w BH] ftutwd} mijuw`mu} kj Imuigdw

7??=

‧ @nnixde b wadu pn {dw} ui cdehd èvdw}d kjudwd}u wùd bivdbdju}

t}kjh KW]‧ Fkskjh ù 00 `b ij dvdw{ gt}kjd}} e`{ ij Wdtudw} `je Gniibgdwh

p`hd fiw uw`j}p`wdjm{

‧ Dsmc`jhd uwède pwietmu #BEDS+* Mijuw`mu bùtwku{ e ud} `wdB`wmc. Ltjd. ]dpudbgdw `je Edmdbgdw t}kjh ANKGIW `} ucd

wdfdwdjmd wùd*

Wdhtnùde]ciwu"}dnnkjh

‧ Mwdùd mijukjtit} fnix if `mukvkukd} kj ucd gije b`wadu

‧ @mmdndwùd pwkmd miwwdmukij} kj ivdwv`ntde }dmtwkukd}

‧ F`mknkuùd cdehkjh if kjudwd}u wùd wk}a}

‧ _wibiud `mukvku{ kj ucd wdpi `je }dmtwkukd} giwwixkjh `je ndjekjh

b`wadu



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Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



03

‧ Kjudwd}u gd`wkjh nijh"udwb

gije} k}}tde g{ ucdHivdwjbdju if B`n`{}k` ui

w`k}d ftje} fwib ucd eibd}ukmm`pku`n b`wadu fiw edvdnipbdju

dspdjekutwd*

‧ nijh"udwb jij"kjudwd}u gd`wkjhHivdwjbdju }dmtwkukd}

‧ K}}tde g`}de ij K}n`bkm pwkjmkpnd}g{ ucd Hivdwjbdju if B`n`{}k`*

B`n`{}k`j Hivdwjbdju

]dmtwkukd} #BH]+

Hivdwjbdju Kjvd}ubdju K}}td}

#HKK+

M`nn`gnd BH]

U{pd} if kj}uwtbdju} `v`kn`gnd

‧ ]tata ]kbp`j`j Wà{ù

`bitjukjh ui WB4 gknnkij x`}k}}tde kj 7??;*

‧ _wivked} ucd fndskgknku{ fiw d`wn{

wdedbpukij gdfiwd ucd bùtwku{eùd*

Wdu`kn Hivdwjbdju Gije

‧ ]ciwu"udwb jij"kjudwd}u gd`wkjh}dmtwkukd} k}}tde g{ ucdHivdwjbdju if B`n`{}k` fiw

xiwakjh m`pku`n*

B`n`{}k`j K}n`bkm Uwd`}tw{ Gknn}#BkUG+

‧ ]ciwu"udwb }dmtwkukd} k}}tde g{

ucd Hivdwjbdju if B`n`{}k` fiwxiwakjh m`pku`n*

B`n`{}k`j Uwd`}tw{ Gknn}#BUG+

‧ Ucd kjuwietmukij if m`nn`gndBH] pwivked} èekukij`n

fndskgknku{ fiw ucd Hivdwjbdjuui b`j`hd ku} m`}cfnix

‧ ]dwvd} } gdjmcb`wa fiw

pwkvùd edgu k}}tdw} ui pwkmdiff ucdkw m`nn`gnd }dmtwkukd}*

Hivdwjbdju

Gije B`wadu



0;



Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



7?

Mtwwdju `je ftutwd kjkukùkvd}…

‧ Pt`wudwn{ bddukjh} ” p`wukmkp ukij g{ GJB. ]M. Cdè} ifUwd`}tw{ if G`jakjh Kj}ukutukij} `je Kj}tw`jmd mibp`jkd}

‧ C`nf"{d`wn{ bddukjh xkuc _wkjmkp`n Ed ndw} ” ui ek}mt}} k}}td} kj

wdnùkij ui _E} pdwfiwb`jmd. ignkhùkij} `je pwkvkndhd}*

‧ Wdhtn w fimt} hwitp ek}mt}}kij} ui wd}invd dsk}ukjh

kbpdekbdju} `je edvdnip jdx pwietmu}*

Ek`nihtd gduxddjWdhtnùiw} jeB`wadu _n`{dw}

_wibiukij`n dffiwu}

‧ Edvdnipbdju if Gije kjfi ctg xdg}kud kj 7??8 `} ijd"}uip

kjfiwbùkij mdjudw fiw ucd B`n`{}k`j gije b`wadu

‧ _tgnk}cde ucd B n`{}k j Hivdwjbdju ]dmtwkukd} htked giia

‧ GJB mijetmu} gk"`jjt n b`wadu mij}tnuùkij .ek`nihtd} je

wiè }cix} xkuc b`wadu p`wukmkp`ju}*

_wietmu edvdnipbdju}kj ucd pkpdnkjd

‧ Uwè`gnd wdu kn hivdwjbdju gije}

‧ Wd"ipdjkjh if K}n`bkm hivdwjbdju gije}



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Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



77

B`n`{}k` `n}i }tppiwukvd if wdhkij`n kjkukùkvd} ui gwièdj`je eddpdj eibd}ukm `je wdhkij`n gije b`wadu}

‧ _`wukmkpùkij kj @}k`j Gije Ftje #@GF+ Kjkuk ukvd tjedw `t}pkmd} if DBD@_ hwitp if mdjuw`n

g`ja}

‧ @GF0 n`tjmcde kj 7??= `kbde ù mc`jjdnkjh piwukij if iffkmk`n wd}dwvd} kj DBD@_ mitjuwkd}

kjui wdhkij

‧ Bdmc`jk}b ui ekvdw}kf{ kjvd}ubdju}

‧ Djc`jmd wdutwj}

‧ @GF7 n`tjmcde kj 7??4 ui pwibiud eibd}ukm mtwwdjm{ gije b`wadu}

‧ Jdx }}du mn`}} if gije} xkuc btnuk"mtwwdjmkd} kj ` g`}adu

‧ @GF B`n {}k` Gije Kjeds Ftje }tg"ftje tjedw @GF7 c`} gddj nk}ude ij Gtw}`

B`n`{}k`

‧ Hwdùdw wdmihjkukij fwib fiwdkhj kjvd}uiw}

‧ Fiwdkhj kjvd}uiw cinekjh} kj hivdwjbdju gije} b`wadu `mmitju fiw 8*6?$ if uiu n

itu}u`jekjh gije} #7??0< ?*=$+

‧ Kjmnt}kij kj b`liw gije kjekmd} dh* L_ Biwh`j. Xiwne Hivdwjbdju Gije Kjeds



7=



Xcdwd `wd xd jix 9






Nd}}ij Nd`wju



75

Nd}}ij} nd`wju…

‧ Mni}d miiwekjùkij xkuc ucd hivdwjbdju k*d< Bkjk}uw{ if Fkj`jmd

‧ Mijetmu wdhtn`w bddukjh} xkuc b`wadu p`wukmkp`ju} ij k}}td} wdn ude ui ucd edvdnipbdju if ucd

eibd}ukm gije b`wadu

‧ Kjet}uw{ gwkdfkjh `je detmùkij`n pwimd}} `wd jdmd}}`w{ pwd"wdtk}kud}

‧ Mibbtjkmùkij }uwùdh{ k} ad{

‧ @ }tmmd}}ftn _wkjmkp n Ed ndw }{}udb k} ad{ ui dj}twd dffkmkdjm{ if ucd gije b`wadu

‧ Mijetmkvd wdhtnùiw{ fw`bdxiwa k} ftje`bdju`n kj dj}twkjh mijukjtde hwixuc kj ucd gije

b`wadu

‧ @ xked kjvd}uiw g`}d kbpiwu ju ui djc`jmd nktkeku{

‧ Kjvd}u kj Kjfiwbùkij Udmcjinih{ #KU+ edvdnipbdju}*



74

Fiw biwd kjfiwbùkij ij ucd B`n`{}k`j gije b`wadu…

‧ cuup<))xxx*gjb*hiv*b{ " G`ja Jdh`w` B`n`{}k`

‧ cuup}<))xxx*f`}u*gjb*hiv*b{ " Ftnn{ @tuibùde ]{}udb FiwK}}tkjh)Udjedwkjh

‧ cuup<))gijekjfi*gjb*hiv*b{ " Gije Kjfi Ctg

‧ cuup<))kkbb*gjb*hiv*b{ " K}n`bkm Bijd{ B`wadu

‧ cuup<)) xxx*}m*mib*b{ " ]dmtwkukd} Mibbk}}kij B`n`{}k`‧ cuup<))xxx*gtw}`b n`{}k`*mib " Gtw}` B`n {}k



76

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BNM - Muhammad Bin Ibrahim