BEAR SIM 10% REFINANCE RATIO
AI Simulation Report: The scenario 'BEAR SIM 10% REFINANCE RATIO' covers 47 daily observations. The selected FX method is historic. Average USD/MYR during the simulation was 3.9916, with a high of 4.0940 and a low of 3.9110. The refinancing ratio of 10% produces estimated cumulative savings of MYR 136,493.15. The average financial standing score is 73.40, indicating a moderate financial resilience profile. Recommendation: compare this scenario against 25%, 50%, 75%, and 100% refinancing structures before finalising the sukuk refinancing strategy.
| Date | USD/MYR | Refinanced | USD Exposure | Daily Saving | Cumulative Saving | FX Risk | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 2026-05-04 | 3.9580 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 2,904 | MYR 0 | 73.40 | WATCH |
| 2026-05-05 | 3.9670 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 5,808 | MYR 0 | 73.40 | WATCH |
| 2026-05-06 | 3.9560 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 8,712 | MYR 0 | 73.40 | WATCH |
| 2026-05-07 | 3.9110 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 11,616 | MYR 0 | 73.40 | WATCH |
| 2026-05-08 | 3.9220 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 14,521 | MYR 0 | 73.40 | WATCH |
| 2026-05-09 | 3.9220 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 17,425 | MYR 0 | 73.40 | WATCH |
| 2026-05-10 | 3.9220 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 20,329 | MYR 0 | 73.40 | WATCH |
| 2026-05-11 | 3.9310 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 23,233 | MYR 0 | 73.40 | WATCH |
| 2026-05-12 | 3.9380 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 26,137 | MYR 0 | 73.40 | WATCH |
| 2026-05-13 | 3.9300 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 29,041 | MYR 0 | 73.40 | WATCH |
| 2026-05-14 | 3.9320 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 31,945 | MYR 0 | 73.40 | WATCH |
| 2026-05-15 | 3.9480 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 34,849 | MYR 0 | 73.40 | WATCH |
| 2026-05-16 | 3.9480 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 37,753 | MYR 0 | 73.40 | WATCH |
| 2026-05-17 | 3.9480 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 40,658 | MYR 0 | 73.40 | WATCH |
| 2026-05-18 | 3.9800 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 43,562 | MYR 0 | 73.40 | WATCH |
| 2026-05-19 | 3.9770 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 46,466 | MYR 0 | 73.40 | WATCH |
| 2026-05-20 | 3.9800 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 49,370 | MYR 0 | 73.40 | WATCH |
| 2026-05-21 | 3.9720 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 52,274 | MYR 0 | 73.40 | WATCH |
| 2026-05-22 | 3.9660 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 55,178 | MYR 0 | 73.40 | WATCH |
| 2026-05-23 | 3.9660 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 58,082 | MYR 0 | 73.40 | WATCH |
| 2026-05-24 | 3.9660 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 60,986 | MYR 0 | 73.40 | WATCH |
| 2026-05-25 | 3.9580 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 63,890 | MYR 0 | 73.40 | WATCH |
| 2026-05-26 | 3.9690 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 66,795 | MYR 0 | 73.40 | WATCH |
| 2026-05-27 | 3.9690 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 69,699 | MYR 0 | 73.40 | WATCH |
| 2026-05-28 | 3.9850 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 72,603 | MYR 0 | 73.40 | WATCH |
| 2026-05-29 | 3.9680 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 75,507 | MYR 0 | 73.40 | WATCH |
| 2026-05-30 | 3.9680 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 78,411 | MYR 0 | 73.41 | WATCH |
| 2026-05-31 | 3.9680 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 81,315 | MYR 0 | 73.41 | WATCH |
| 2026-06-01 | 3.9680 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 84,219 | MYR 0 | 73.41 | WATCH |
| 2026-06-02 | 3.9680 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 87,123 | MYR 0 | 73.41 | WATCH |
| 2026-06-03 | 3.9850 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 90,027 | MYR 0 | 73.41 | WATCH |
| 2026-06-04 | 4.0180 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 92,932 | MYR 0 | 73.41 | WATCH |
| 2026-06-05 | 4.0390 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 95,836 | MYR 0 | 73.41 | WATCH |
| 2026-06-06 | 4.0390 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 98,740 | MYR 0 | 73.41 | WATCH |
| 2026-06-07 | 4.0390 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 101,644 | MYR 0 | 73.41 | WATCH |
| 2026-06-08 | 4.0730 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 104,548 | MYR 0 | 73.41 | WATCH |
| 2026-06-09 | 4.0660 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 107,452 | MYR 0 | 73.41 | WATCH |
| 2026-06-10 | 4.0660 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 110,356 | MYR 0 | 73.41 | WATCH |
| 2026-06-11 | 4.0700 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 113,260 | MYR 0 | 73.41 | WATCH |
| 2026-06-12 | 4.0610 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 116,164 | MYR 0 | 73.41 | WATCH |
| 2026-06-13 | 4.0610 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 119,068 | MYR 0 | 73.41 | WATCH |
| 2026-06-14 | 4.0610 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 121,973 | MYR 0 | 73.41 | WATCH |
| 2026-06-15 | 4.0500 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 124,877 | MYR 0 | 73.41 | WATCH |
| 2026-06-16 | 4.0650 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 127,781 | MYR 0 | 73.41 | WATCH |
| 2026-06-17 | 4.0650 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 130,685 | MYR 0 | 73.41 | WATCH |
| 2026-06-18 | 4.0940 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 133,589 | MYR 0 | 73.41 | WATCH |
| 2026-06-19 | 4.0940 | MYR 212,000,000 | MYR 1,908,000,000 | MYR 2,904 | MYR 136,493 | MYR 0 | 73.41 | WATCH |