Anonymised sample: customer names, personal names, account numbers, document hashes, and owner-identifying transaction descriptions have been lightly fictionalised or masked, following the Financial Statement sample style. Figures are retained only to show the review format and report mechanics.

Kredit Lab — Statement Intelligence

Aster Marine Services Sdn. Bhd. Kredit Lab v6.3.5

2025-02-01 to 2025-07-31 · 6 months · 588 transactions

RM 5,487,439

Net Credits

RM 6,458,903

Net Debits

RM 10,974,879

Annualized

RM -508,528

Avg EOD

8/16

Flags

RHB Bank OD

A/C: ••••••••••7991

Sample account holder

Opening

RM -742,852.57

Closing

RM -863,631.26

Credits

RM 2,493,264.42

Debits

RM 2,614,043.11

Transactions

147

Public Bank Current

A/C: ••••••2120

Sample account holder

Opening

RM 429,905.57

Closing

RM 7,621.14

Credits

RM 4,074,586.21

Debits

RM 4,496,870.64

Transactions

421

Maybank Islamic Current

A/C: ••••••6545

Sample account holder

Opening

RM 50,483.76

Closing

RM 71,169.87

Credits

RM 369,511.11

Debits

RM 348,825.00

Transactions

Possible Related Parties — Analyst to Confirm

These individuals show some related-party signals but did not meet the auto-confirm threshold, so they are not excluded from any figure. Review each and confirm in the analysis step if genuinely related.

Party	Confidence	Debits	Credits	Why flagged
A. Rahman	LOW	RM 5,150.00	RM 0.00	DR over 3 months

Net Credits vs Debits (Monthly)

EOD Balance Range (Monthly)

Consolidated Summary

6,937,362

Gross Credits

7,459,739

Gross Debits

5,487,439

Net Credits

6,458,903

Net Debits

10,974,879

Annualized Cr

12,917,806

Annualized Dr

Exclusions from Credits

Own Party	1,449,922.35
Related Party	0.00
Reversals	0.00
Loan Disbursements	0.00
FD/Interest	0.00
Inward Return (C16)	0.00

Exclusions from Debits

Own Party

1,000,836.00

FX / Remittance Summary

FX Credits (0.0% of Gross)

FX Debits (0.0% of Gross)

None

Currencies

Positive Observations

All months reconciled to bank statements within tolerance.
Net credits of RM 5,487,439.39 indicate active turnover.

Concerns

Statutory gaps — EPF 80.0% / SOCSO 80.0%.
Unclassified rows: CR RM 1,554,642.17 / DR RM 1,605,441.58 — V1 deferred categories.
Round Figure Credits (AML): 23 round-figure credits totalling RM 2,760,000.00.

Monthly Cash Flow Breakdown

RHB Bank (••••••••••7991)Public Bank (••••••2120)Maybank Islamic (••••••6545) Bold rows = month subtotal

Month / Account	Status	Gross Cr	Gross Dr	Net Cr	Net Dr	Cr #	Dr #	Own Cr	Own Dr	Chq Dep	Chq Issue	Loan Repay	Salary	EPF	SOCSO	Tax	Ret Chq #	Round Fig	High Val	EOD Low	EOD High	EOD Avg	Open Bal	Close Bal	Own Cr #	Own Dr #	RP Cr #	RP Dr #	Loan #	Uncl Cr #	Uncl Cr Amt	Uncl Dr #	Uncl Dr Amt
RHB ••••••••••7991		318,884.10	421,456.83	18,884.10	421,456.83	5	12	300,000.00	0.00	0.00	0.00	27,286.00	382,762.70	0.00	0.00	0.00	0	300,000.00	0.00	-852,909.77	-470,138.57	-734,653.05	-742,852.57	-845,425.30	4	0	0	0	1	1	18,884.10	10	11,408.13
Public ••••••2120		13,277.84	378,818.30	13,277.84	367,106.30	9	60	0.00	11,712.00	8,036.00	90,162.52	20,081.00	2,340.80	76,588.00	9,590.70	6,846.00	0	0.00	0.00	63,867.70	428,629.57	205,106.03	429,905.57	64,365.11	0	5	0	0	4	8	5,241.84	31	147,497.40
Maybank ••••••6545		0.00	3,133.00	0.00	78.00	0	2	0.00	3,055.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0	0.00	0.00	47,350.76	50,405.76	48,878.26	50,483.76	47,350.76	0	1	0	0	0	0	0.00	0	0.00
2025-02	✓ PASS	332,161.94	803,408.13	32,161.94	788,641.13	14	74	300,000.00	14,767.00	8,036.00	90,162.52	47,367.00	385,103.50	76,588.00	9,590.70	6,846.00	0	300,000.00	0.00	-852,909.77	428,629.57	-160,222.92	-262,463.24	-733,709.43	4	6	0	0	5	9	24,125.94	41	158,905.53
RHB ••••••••••7991		604,610.00	593,994.91	134,610.00	593,994.91	9	19	470,000.00	0.00	0.00	0.00	27,286.00	480,106.97	0.00	0.00	0.00	0	470,000.00	0.00	-872,711.30	-822,204.27	-846,246.72	-845,425.30	-834,810.21	5	0	0	0	1	4	134,610.00	15	86,601.44
Public ••••••2120		652,357.22	690,731.44	652,357.22	425,066.44	11	57	0.00	265,665.00	602,666.54	52,482.40	1,276.00	2,340.80	84,911.00	9,668.70	156,197.30	0	0.00	0.00	24,173.93	665,988.59	253,075.14	64,365.11	25,990.89	0	4	0	0	1	9	2,690.68	26	46,588.53
Maybank ••••••6545		27,090.00	3,133.00	27,090.00	78.00	1	2	0.00	3,055.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0	0.00	0.00	44,217.76	71,307.76	54,266.09	47,350.76	71,307.76	0	1	0	0	0	1	27,090.00	0	0.00
2025-03	✓ PASS	1,284,057.22	1,287,859.35	814,057.22	1,019,139.35	21	78	470,000.00	268,720.00	602,666.54	52,482.40	28,562.00	482,447.77	84,911.00	9,668.70	156,197.30	0	470,000.00	0.00	-872,711.30	665,988.59	-179,635.16	-733,709.43	-737,511.56	5	5	0	0	2	14	164,390.68	41	133,189.97
RHB ••••••••••7991		90,951.00	96,954.50	90,951.00	33,954.50	3	6	0.00	63,000.00	0.00	0.00	27,286.00	0.00	0.00	0.00	0.00	0	0.00	0.00	-862,552.71	-771,266.21	-823,690.13	-834,810.21	-840,813.71	0	1	0	0	1	2	63,544.00	3	6,668.00
Public ••••••2120		377,964.70	341,346.16	234,964.70	316,239.16	11	30	143,000.00	25,107.00	221,647.40	37,971.09	20,081.00	0.00	0.00	0.00	0.00	0	80,000.00	166,635.40	10,609.43	191,350.29	55,114.38	25,990.89	62,609.43	2	6	0	0	4	5	8,900.00	13	119,419.30
Maybank ••••••6545		125,565.98	153,142.00	125,565.98	78.00	1	3	0.00	153,064.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0	0.00	0.00	43,731.74	196,795.74	126,374.49	71,307.76	43,731.74	0	2	0	0	0	0	0.00	0	0.00
2025-04	✓ PASS	594,481.68	591,442.66	451,481.68	350,271.66	15	39	143,000.00	241,171.00	221,647.40	37,971.09	47,367.00	0.00	0.00	0.00	0.00	0	80,000.00	166,635.40	-862,552.71	196,795.74	-214,067.09	-737,511.56	-734,472.54	2	9	0	0	5	7	72,444.00	16	126,087.30
RHB ••••••••••7991		157,286.00	33,077.70	130,000.00	33,077.70	2	3	27,286.00	0.00	0.00	0.00	27,286.00	0.00	0.00	0.00	0.00	0	130,000.00	0.00	-840,813.71	-710,813.71	-770,440.14	-840,813.71	-716,605.41	1	0	0	0	1	1	130,000.00	2	5,791.70
Public ••••••2120		1,581,453.56	1,423,877.57	1,381,453.56	1,328,212.57	8	73	200,000.00	95,665.00	881,409.56	33,625.15	1,276.00	802,923.23	110,930.00	13,510.50	19,861.45	0	700,000.00	842,666.56	20,169.22	891,693.95	262,688.50	62,609.43	220,185.42	1	3	0	0	1	4	44.00	35	333,799.94
Maybank ••••••6545		185,459.04	3,133.00	185,459.04	78.00	1	2	0.00	3,055.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0	0.00	0.00	40,598.74	226,057.78	103,436.75	43,731.74	226,057.78	0	1	0	0	0	0	0.00	0	0.00
2025-05	✓ PASS	1,924,198.60	1,460,088.27	1,696,912.60	1,361,368.27	11	78	227,286.00	98,720.00	881,409.56	33,625.15	28,562.00	802,923.23	110,930.00	13,510.50	19,861.45	0	830,000.00	842,666.56	-840,813.71	891,693.95	-134,771.63	-734,472.54	-270,362.21	2	4	0	0	2	5	130,044.00	37	339,591.64
RHB ••••••••••7991		201,282.38	317,072.41	24,996.38	317,072.41	3	20	176,286.00	0.00	0.00	0.00	27,286.00	0.00	0.00	0.00	0.00	0	0.00	0.00	-851,993.32	-567,605.41	-759,119.30	-716,605.41	-832,395.44	2	0	0	0	1	1	24,996.38	18	289,785.91
Public ••••••2120		1,126,653.08	1,312,904.97	994,242.73	1,217,239.97	21	90	132,410.35	95,665.00	981,569.76	289,637.87	28,562.00	695,851.97	0.00	0.00	0.00	0	130,000.00	981,569.76	16,378.28	990,948.04	289,355.32	220,185.42	33,933.53	3	3	0	0	2	16	12,598.62	44	151,028.73
Maybank ••••••6545		0.00	183,151.00	0.00	78.00	0	4	0.00	183,073.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0	0.00	0.00	42,906.78	225,979.78	104,949.45	226,057.78	42,906.78	0	3	0	0	0	0	0.00	0	0.00
2025-06	✓ PASS	1,327,935.46	1,813,128.38	1,019,239.11	1,534,390.38	24	114	308,696.35	278,738.00	981,569.76	289,637.87	55,848.00	695,851.97	0.00	0.00	0.00	0	130,000.00	981,569.76	-851,993.32	990,948.04	-121,604.84	-270,362.21	-755,555.13	5	6	0	0	3	17	37,595.00	62	440,814.64
RHB ••••••••••7991		1,120,250.94	1,151,486.76	1,120,250.94	1,055,821.76	8	57	0.00	95,665.00	0.00	0.00	27,286.00	720,205.23	0.00	18,238.40	0.00	0	640,000.00	0.00	-863,631.26	-448,881.00	-684,694.42	-832,395.44	-863,631.26	0	3	0	0	1	7	1,116,164.94	39	288,570.23
Public ••••••2120		322,879.81	349,192.20	321,939.81	349,192.20	11	40	940.00	0.00	5,977.20	47,926.17	1,276.00	3,916.98	124,685.00	19,048.40	23,265.55	0	310,000.00	310,000.00	571.33	27,751.47	13,324.91	33,933.53	7,621.14	1	0	0	0	1	5	5,962.61	22	118,282.27
Maybank ••••••6545		31,396.09	3,133.00	31,396.09	78.00	2	2	0.00	3,055.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0	0.00	0.00	42,828.78	71,169.87	51,107.80	42,906.78	71,169.87	0	1	0	0	0	1	3,915.00	0	0.00
2025-07	✓ PASS	1,474,526.84	1,503,811.96	1,473,586.84	1,405,091.96	21	99	940.00	98,720.00	5,977.20	47,926.17	28,562.00	724,122.21	124,685.00	37,286.80	23,265.55	0	950,000.00	310,000.00	-863,631.26	71,169.87	-206,753.90	-755,555.13	-784,840.25	1	4	0	0	2	13	1,126,042.55	61	406,852.50
TOTAL	ALL PASS	6,937,361.74	7,459,738.75	5,487,439.39	6,458,902.75	-	-	1,449,922.35	1,000,836.00	2,701,306.46	551,805.20	236,268.00	3,090,448.68	397,114.00	70,056.70	206,170.30	0.00	2,760,000.00	2,300,871.72	-872,711.30	990,948.04	-508,527.77	-	-	-	-	-	-	-	-	1,554,642.17	-	1,605,441.58

Net Credits = Gross Credits - Own Party - Related Party - Reversals - Loan Disbursements - FD/Interest - Inward Return (C16) | Net Debits = Gross Debits - Own Party (C02) | Count columns Unclassified columns (v6.3.0)

Top 10 Payers (Income)

#	Party	Amount (RM)	Txns
1	Aster Counterparty (OWN-PARTY) Feb: 300KMar: 470KApr: 143KMay: 227KJun: 309KJul: 940	RM 1,449,922.35	19
2	Aster Counterparty Mar: 47KMay: 500K	RM 547,000.00	2
3	Sample transfer narrative Mar: 133KJul: 370K	RM 502,600.00	3
4	LOCAL CHQ MBIS/ -/ - DEP Jul: 405K	RM 404,936.94	1
5	AURA (POSSIBLY MULTIPLE PARTIES) Jul: 341K	RM 341,000.00	4
6	Aster Counterparty Jul: 310K	RM 310,000.00	4
7	INWARD FOREIGN TT CREDIT MI Aster Counterparty * REF-XXXX /UNSTRD/OTHER TRANSA May: 185K	RM 185,459.04	1
8	REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 13/ APPY #########/ KL T E SD MTHLY May: 130K	RM 130,000.00	1
9	INWARD FOREIGN TT CREDIT MI Aster Counterparty * ########## OTHER TRANSACTIONS N Apr: 126K	RM 125,565.98	1

Parser-dropped buckets — counterparties that were only a transfer verb with no entity name attached. Amounts are still counted in gross/net totals; they are hidden from the Top 10 rank to avoid misleading the analyst. VERIFY = high volume — possible real-entity false positive, please cross-check.

Bucket (parser artifact)	Amount (RM)	Txns
CHEQUE DEPOSITVERIFY	RM 2,701,306.46	9

Top 10 Payees (Outflow)

#	Party	Amount (RM)	Txns
1	CHEQUE ISSUE Feb: 90KMar: 52KApr: 38KMay: 837KJun: 985KJul: 48K	RM 2,050,577.00	61
2	Aster Counterparty (OWN-PARTY) Feb: 15KMar: 269KApr: 241KMay: 99KJun: 279KJul: 99K	RM 1,000,836.00	34
3	Sample transfer narrative Feb: 27KMar: 27KApr: 27KMay: 27KJun: 27KJul: 27K	RM 163,716.00	6
4	Z. Alias Feb: 62KMar: 31KJun: 64K	RM 157,136.75	5
5	Aster Counterparty Apr: 82KJun: 40K	RM 121,768.00	2
6	Sample transfer narrative Jul: 117K	RM 116,746.02	1
7	REFLEX FTT REF-XXXX/ - 47R/ Jun: 111K	RM 110,947.20	1
8	Sample transfer narrative Jul: 110K	RM 110,361.00	1
9	REF-XXXX May: 89K	RM 89,109.68	1
10	FPX B2B Tax Board - Buyer DR 10007/ 4019/ DALAM Jun: 89K	RM 88,678.00	1

RP = Related Party

Large Credits (≥ RM 100,000)

13 transactions

Date	Description	Amount (RM)	Balance
2025-04-17	INWARD FOREIGN TT CREDIT MI Aster Counterparty * ########## OTHER TRANS	RM 125,565.98	196,795.74
2025-05-28	INWARD FOREIGN TT CREDIT MI Aster Counterparty * REF-XXXX /UNSTRD/OTH	RM 185,459.04	226,057.78
2025-03-26	Sample transfer narrative	RM 170,000.00	-337,701.30
2025-05-29	REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 13/ APPY 01944001	RM 130,000.00	-710,813.71
2025-06-11	Sample transfer narrative	RM 149,000.00	-567,605.41
2025-07-25	LOCAL CHQ MBIS/ -/ - DEP	RM 404,936.94	-450,430.50
2025-07-29	Sample transfer narrative	RM 370,000.00	260,569.50
2025-03-04	DEP-ECP 196467 602,666.54 665,755.65 REF-XXXX RHB	RM 602,666.54	665,755.65
2025-04-02	DEP-ECP 126081 166,635.40 192,626.29 REF-XXXX RHB	RM 166,635.40	192,626.29
2025-05-20	DEP-ECP 208171 842,666.56 891,693.95 REF-XXXX RHB	RM 842,666.56	891,693.95
2025-05-27	DUITNOW TRSF CR 060236 500,000.00 1,062,775.18 Aster Counterparty FUN	RM 500,000.00	1,062,775.18
2025-05-29	DUITNOW TRSF CR 161239 Aster Counterparty FUND TO Aster Counterparty 2025052	RM 200,000.00	220,199.22
2025-06-24	DEP-ECP 208303 981,569.76 997,948.04 REF-XXXX RHB	RM 981,569.76	997,948.04

Counterparty Ledger

315

Total Counterparties

163

Pattern matched

163

Special bucket

262

Raw fallback

Counterparty

Credits (RM)

Debits (RM)

Net Position

Txns

▶ CHEQUE DEPOSIT

2,701,306.46 (9)

0.00 (0)

2,701,306.46

▶ Aster Counterparty (OWN-PARTY)

1,449,922.35 (19)

1,000,836.00 (34)

449,086.35

▶ CHEQUE ISSUE

0.00 (0)

2,050,577.00 (61)

-2,050,577.00

▶ BULK SALARY

0.00 (0)

1,572,307.27 (4)

-1,572,307.27

▶ Aster Counterparty

547,000.00 (2)

0.00 (0)

547,000.00

▶ Sample transfer narrative

502,600.00 (3)

0.00 (0)

502,600.00

▶ LOCAL CHQ MBIS/ -/ - DEP

404,936.94 (1)

0.00 (0)

404,936.94

▶ KWSP

0.00 (0)

397,114.00 (4)

-397,114.00

▶ AURA (POSSIBLY MULTIPLE PARTIES)

341,000.00 (4)

0.00 (0)

341,000.00

▶ Aster Counterparty

310,000.00 (4)

0.00 (0)

310,000.00

▶ LHDN

0.00 (0)

206,170.30 (6)

-206,170.30

▶ INWARD FOREIGN TT CREDIT MI Aster Counterparty * REF-XXXX /UNSTRD/OTHER TRANSA

185,459.04 (1)

0.00 (0)

185,459.04

▶ Sample transfer narrative

0.00 (0)

163,716.00 (6)

-163,716.00

▶ Z. Alias

0.00 (0)

157,136.75 (5)

-157,136.75

▶ REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 13/ APPY #########/ KL T E SD MTHLY

130,000.00 (1)

0.00 (0)

130,000.00

▶ INWARD FOREIGN TT CREDIT MI Aster Counterparty * ########## OTHER TRANSACTIONS N

125,565.98 (1)

0.00 (0)

125,565.98

▶ Aster Counterparty

0.00 (0)

121,768.00 (2)

-121,768.00

▶ Sample transfer narrative

0.00 (0)

116,746.02 (1)

-116,746.02

▶ REFLEX FTT REF-XXXX/ - 47R/

0.00 (0)

110,947.20 (1)

-110,947.20

▶ Sample transfer narrative

0.00 (0)

110,361.00 (1)

-110,361.00

▶ REF-XXXX

0.00 (0)

89,109.68 (1)

-89,109.68

▶ FPX B2B Tax Board - Buyer DR 10007/ 4019/ DALAM

0.00 (0)

88,678.00 (1)

-88,678.00

▶ A. Rahman

1,004.90 (2)

85,680.75 (5)

-84,675.85

▶ REF-XXXX

0.00 (0)

74,097.42 (1)

-74,097.42

▶ HARTRODT

0.00 (0)

72,028.52 (2)

-72,028.52

▶ REFLEX FTT SMQ/593/ - 40R/

0.00 (0)

66,541.60 (1)

-66,541.60

▶ REF-XXXX

0.00 (0)

66,498.97 (1)

-66,498.97

▶ CREDIT SKY / / - TRANSFER MILLENNIU M DOCUM

62,544.00 (1)

0.00 (0)

62,544.00

▶ REF-XXXX

0.00 (0)

60,664.00 (1)

-60,664.00

▶ FPX B2B Tax Board - Buyer DR 60558/ 4019/ DALAM

0.00 (0)

60,208.00 (1)

-60,208.00

▶ LOAN REPAYMENT

0.00 (0)

58,112.00 (3)

-58,112.00

▶ SOCSO

0.00 (0)

51,818.30 (4)

-51,818.30

▶ ORIX

0.00 (0)

48,270.00 (2)

-48,270.00

▶ MUNIE ENTERPRISE

0.00 (0)

47,000.00 (1)

-47,000.00

▶ A. Rahman

2,104.67 (1)

42,973.10 (5)

-40,868.43

▶ Aster Counterparty

0.00 (0)

43,009.88 (2)

-43,009.88

▶ INTEREST / / - CHARGED

0.00 (0)

32,719.82 (6)

-32,719.82

▶ Sample transfer narrative

0.00 (0)

27,942.65 (1)

-27,942.65

▶ INWARD FOREIGN TT CREDIT MI Aster Counterparty * REF-XXXX /UNSTRD/OTHER TRANSA

27,481.09 (1)

0.00 (0)

27,481.09

▶ Aster Counterparty

27,407.00 (1)

0.00 (0)

27,407.00

▶ SEA LANE SHIPPING S

27,090.00 (1)

0.00 (0)

27,090.00

▶ Sample transfer narrative

24,996.38 (1)

0.00 (0)

24,996.38

▶ SBS

0.00 (0)

22,000.00 (2)

-22,000.00

▶ SMALL MEDIUM ENTERPRISE

0.00 (0)

21,411.68 (2)

-21,411.68

▶ FPX B2B Tax Board - Buyer DR 30673/ 59/ DALAM

0.00 (0)

20,372.65 (1)

-20,372.65

▶ REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 15/ APPY #########/ KL T E SD MTHLY

18,884.10 (1)

0.00 (0)

18,884.10

▶ UNNAMED PUBLIC BANK TRANSFER (DR)

0.00 (0)

18,563.20 (1)

-18,563.20

▶ FPX B2B PERTUBUH CP_310725_0 - BUYER DR AN 20701/ 01480/ KESELAMAT

0.00 (0)

18,238.40 (1)

-18,238.40

▶ HRDF

0.00 (0)

16,967.29 (4)

-16,967.29

▶ Sample transfer narrative

0.00 (0)

14,684.69 (1)

-14,684.69

▶ REF-XXXX

0.00 (0)

12,367.82 (1)

-12,367.82

▶ METASOFT

0.00 (0)

11,630.00 (1)

-11,630.00

▶ Aster Counterparty

0.00 (0)

10,154.16 (1)

-10,154.16

▶ Aster Counterparty

0.00 (0)

8,265.00 (1)

-8,265.00

▶ AUTOMATED LOAN PYMT TO ########## AT H49

0.00 (0)

7,656.00 (6)

-7,656.00

▶ RFLX HELIZ & Sample transfer narrative

0.00 (0)

7,400.00 (1)

-7,400.00

▶ ENTERPRISE

0.00 (0)

6,764.30 (1)

-6,764.30

▶ RTN ITEM 151543 6 082 38 58 254 66 IBG RTN ITEM 20250619 REF-XXXX MBB IRF NIAGA N/24/GB00/011946/SBN

6,082.38 (1)

0.00 (0)

6,082.38

▶ REFLEX SK DESTINY RENTAL OF - SINGLE IBG MACHINERY LOW 00010/ DR LOADER/

0.00 (0)

5,800.00 (1)

-5,800.00

▶ Sample transfer narrative

0.00 (0)

5,533.42 (1)

-5,533.42

▶ SENG

0.00 (0)

5,500.00 (1)

-5,500.00

▶ Sample transfer narrative

0.00 (0)

5,202.40 (1)

-5,202.40

▶ A. Rahman

0.00 (0)

5,150.00 (3)

-5,150.00

▶ REFLEX FTT / - 90R/

0.00 (0)

5,022.83 (1)

-5,022.83

▶ REFLEX FTT / - 45R/

0.00 (0)

5,017.63 (1)

-5,017.63

▶ REFLEX FTT / - 96R/

0.00 (0)

5,017.36 (1)

-5,017.36

▶ LEE

0.00 (0)

5,000.00 (3)

-5,000.00

▶ Sample transfer narrative

0.00 (0)

5,000.00 (1)

-5,000.00

▶ REF-XXXX

0.00 (0)

4,995.50 (1)

-4,995.50

▶ IRF

0.00 (0)

4,934.16 (1)

-4,934.16

▶ BEN

0.00 (0)

4,850.00 (1)

-4,850.00

▶ Aster Counterparty

0.00 (0)

4,500.00 (1)

-4,500.00

▶ Sample transfer narrative

0.00 (0)

4,493.90 (1)

-4,493.90

▶ RTN ITEM 151361 IBG RTN ITEM 20250408 REF-XXXX Aster Counterparty RENTAL WAREHOUSE BAL

4,417.30 (1)

0.00 (0)

4,417.30

▶ Aster Counterparty

0.00 (0)

4,417.30 (1)

-4,417.30

▶ Aster Counterparty

0.00 (0)

4,366.20 (3)

-4,366.20

▶ LIM

0.00 (0)

4,200.00 (1)

-4,200.00

▶ Sample transfer narrative

0.00 (0)

4,158.60 (1)

-4,158.60

▶ Sample transfer narrative

4,086.00 (1)

0.00 (0)

4,086.00

▶ TSFR FUND DR-ATM/EFT 233318 3188XXXXXX TELOK KALONG CONS&DEV SB REF-XXXX

0.00 (0)

4,000.00 (1)

-4,000.00

▶ TSFR FUND DR-ATM/EFT 069021 3188XXXXXX TELOK KALONG CONS&DEV SB REF-XXXX

0.00 (0)

4,000.00 (1)

-4,000.00

▶ TSFR FUND DR-ATM/EFT 127900 3188XXXXXX TELOK KALONG CONS&DEV SB YARD KMN RENTAL

0.00 (0)

4,000.00 (1)

-4,000.00

▶ DIPETRO SYNERGY ENG

3,915.00 (1)

0.00 (0)

3,915.00

▶ TRF DR BIN

0.00 (0)

3,889.84 (2)

-3,889.84

▶ REV

3,800.00 (1)

0.00 (0)

3,800.00

▶ SOCIETY

0.00 (0)

3,800.00 (1)

-3,800.00

▶ A. Rahman

0.00 (0)

3,778.75 (3)

-3,778.75

▶ MAJLIS

0.00 (0)

3,663.20 (4)

-3,663.20

▶ Sample transfer narrative

0.00 (0)

3,339.00 (1)

-3,339.00

▶ RTN ITEM 151334 IBG RTN ITEM 20250408 REF-XXXX HLB HING CHUN CHAI INVALID ACCOUNT NUMB

3,300.00 (1)

0.00 (0)

3,300.00

▶ HING

0.00 (0)

3,300.00 (1)

-3,300.00

▶ A. Rahman

455.46 (3)

2,587.00 (2)

-2,131.54

▶ MRS

0.00 (0)

3,000.00 (1)

-3,000.00

▶ Sample transfer narrative

0.00 (0)

2,913.54 (1)

-2,913.54

▶ Sample transfer narrative

0.00 (0)

2,903.97 (2)

-2,903.97

▶ YOUTH

0.00 (0)

2,851.20 (1)

-2,851.20

▶ TSFR FUND DR-ATM/EFT 112064 2 500 00 54 949 39 4956XXXXXX ELLISON PANJI ANAK MERIN 25/REF-XXXX(25)/001

0.00 (0)

2,500.00 (1)

-2,500.00

▶ Sample transfer narrative

0.00 (0)

2,445.00 (1)

-2,445.00

▶ FORTYSEVEN

0.00 (0)

2,438.00 (1)

-2,438.00

▶ A. Rahman

0.00 (0)

2,410.35 (1)

-2,410.35

▶ Sample transfer narrative

0.00 (0)

2,340.00 (1)

-2,340.00

▶ RELYON

0.00 (0)

2,322.00 (1)

-2,322.00

▶ TSFR FUND DR-ATM/EFT 650392 3185XXXXXX Aster Counterparty REF-XXXX

0.00 (0)

2,160.00 (1)

-2,160.00

▶ TSFR FUND DR-ATM/EFT 283338 3072XXXXXX Aster Counterparty MEDICAL CHECK-UP

0.00 (0)

2,160.00 (1)

-2,160.00

▶ ANR

0.00 (0)

2,132.56 (1)

-2,132.56

▶ Aster Counterparty

0.00 (0)

2,100.00 (1)

-2,100.00

▶ GIRO PYMT-ATM/EFT 834252

0.00 (0)

2,082.61 (1)

-2,082.61

▶ GIRO PYMT-ATM/EFT 815726

0.00 (0)

2,051.26 (1)

-2,051.26

▶ ELLISON

0.00 (0)

2,040.00 (1)

-2,040.00

▶ LOAN PYMT-ATM/EFT 232789 ##########/90010

0.00 (0)

2,022.00 (1)

-2,022.00

▶ LOAN PYMT-ATM/EFT 068372 2 022 00 189 328 29 ##########/90010

0.00 (0)

2,022.00 (1)

-2,022.00

▶ REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 12/ APPY #########/ KL T E SD REP

2,000.00 (1)

0.00 (0)

2,000.00

▶ RTN ITEM 151348 IBG RTN ITEM 20250408 REF-XXXX UOB LEE CHAI SENG

2,000.00 (1)

0.00 (0)

2,000.00

▶ RTN ITEM 091475 2 000 00 29 751 47 IBG RTN ITEM 20250709 REF-XXXX HLB LEE CHAI SENG INVALID ACCOUNT NUMB

2,000.00 (1)

0.00 (0)

2,000.00

▶ Aster Counterparty

0.00 (0)

1,900.00 (2)

-1,900.00

▶ MUHAMAD

1,892.16 (1)

0.00 (0)

1,892.16

▶ SINGLE A. Rahman

0.00 (0)

1,802.07 (2)

-1,802.07

▶ Sample transfer narrative

0.00 (0)

1,751.20 (1)

-1,751.20

▶ TSFR FUND DR-ATM/EFT 283845 3224XXXXXX FAIQ ENERGY ENTERPRISE RENTAL OF EQUIPMENT

0.00 (0)

1,700.00 (1)

-1,700.00

▶ TSFR FUND DR-ATM/EFT 548957 6916XXXXXX A. Rahman PC MAY/2025/001

0.00 (0)

1,678.82 (1)

-1,678.82

▶ RTN ITEM 151362 IBG RTN ITEM 20250408 REF-XXXX MBB LOW BAO MEI RENTAL FOR STAFFHOUS

1,600.00 (1)

0.00 (0)

1,600.00

▶ LOW

0.00 (0)

1,600.00 (1)

-1,600.00

▶ GIRO PYMT-ATM/EFT 231625

0.00 (0)

1,568.97 (1)

-1,568.97

▶ Aster Counterparty

0.00 (0)

1,520.00 (1)

-1,520.00

▶ Sample transfer narrative

0.00 (0)

1,516.20 (1)

-1,516.20

▶ Sample transfer narrative

0.00 (0)

1,506.63 (1)

-1,506.63

▶ KAR

0.00 (0)

1,500.00 (1)

-1,500.00

▶ RTN ITEM 091464 1 479 60 52 481 13 IBG RTN ITEM 20250606 REF-XXXX CIM PETRONAS TECHNICAL T INVALID COMPANY IDEN

1,479.60 (1)

0.00 (0)

1,479.60

▶ Sample transfer narrative

0.00 (0)

1,471.20 (1)

-1,471.20

▶ CECILIA

0.00 (0)

1,449.00 (1)

-1,449.00

▶ REFLEX FTT / - 95R/

0.00 (0)

1,425.00 (1)

-1,425.00

▶ Sample transfer narrative

0.00 (0)

1,414.00 (1)

-1,414.00

▶ REFLEX FTT / - 44R/

0.00 (0)

1,410.00 (1)

-1,410.00

▶ REF-XXXX

0.00 (0)

1,387.00 (1)

-1,387.00

▶ REFLEX FTT / - 88R/

0.00 (0)

1,370.00 (1)

-1,370.00

▶ LOAN PYMT-ATM/EFT 232780 ##########/90010

0.00 (0)

1,370.00 (1)

-1,370.00

▶ LOAN PYMT-ATM/EFT 068386 ##########/90010

0.00 (0)

1,370.00 (1)

-1,370.00

▶ Sample transfer narrative

0.00 (0)

1,370.00 (1)

-1,370.00

▶ A. Rahman

1,354.58 (11)

0.00 (0)

1,354.58

▶ Sample transfer narrative

0.00 (0)

1,178.13 (1)

-1,178.13

▶ Sample transfer narrative

0.00 (0)

1,147.20 (1)

-1,147.20

▶ MTJ

0.00 (0)

1,080.00 (1)

-1,080.00

▶ TSFR FUND DR-ATM/EFT 693587 3157XXXXXX YS SPORT & EQUIPMENTS SB IV-2505095

0.00 (0)

1,040.00 (1)

-1,040.00

▶ RFLX-BULK PAYMENT NOT XXXXXXXXXX - PYMT REJ C SUCCESSF/ 4226/ R22- BONUS INVALID INDV RAYA ID

1,000.00 (1)

0.00 (0)

1,000.00

▶ RFLX CIK / - INSTANT ROSLIHAM 8/ BONUS TRF A. Rahman

0.00 (0)

1,000.00 (1)

-1,000.00

▶ REFLEX AHMAD PR/02/25/K10 - SINGLE IBG HAIKAL 3/002/ 00010/ DR AZRAI

0.00 (0)

1,000.00 (1)

-1,000.00

▶ DEP-LOC CHEQ 234029 AT TTJ 1 000 00 25 590 89

1,000.00 (1)

0.00 (0)

1,000.00

▶ RTN ITEM 151318 1 000 00 65 231 89 IBG RTN ITEM 20250408 REF-XXXX CIM KOH HUA HONG NO ACCOUNT/UNABLE TO

1,000.00 (1)

0.00 (0)

1,000.00

▶ RTN ITEM 151330 IBG RTN ITEM 20250408 REF-XXXX ABM LEE SIT LENG ACCOUNT NOT FOUND

1,000.00 (1)

0.00 (0)

1,000.00

▶ KOH

0.00 (0)

1,000.00 (1)

-1,000.00

▶ PERSATUAN

0.00 (0)

1,000.00 (1)

-1,000.00

▶ REFLEX A. Rahman

0.00 (0)

937.00 (1)

-937.00

▶ TSFR FUND CR-ATM/EFT 469865 871 98 413 863 20 6881XXXXXX MUHAMMAD ZACHRY ZIYAD BI CERT EX00

871.98 (1)

0.00 (0)

871.98

▶ REFLEX MAJLIS MAWIP - - SINGLE IBG AGAMA JUNE 2025/ 00010/ DR ISLAM D

0.00 (0)

865.80 (1)

-865.80

▶ RFLX MAJLIS / - INSTANT AGAMA 2/ TRF DR ISLAM D ZAKAT JUNE

0.00 (0)

865.80 (1)

-865.80

▶ RTN ITEM 091576 IBG RTN ITEM 20250606 REF-XXXX MBB KLINIK ALAMANDA 01/2025(JAN25) - MED

830.00 (1)

0.00 (0)

830.00

▶ TSFR FUND CR-ASample transfer narrative

825.83 (1)

0.00 (0)

825.83

▶ GIRO PYMT-ATM/EFT 235004 785 91 242 032 45

0.00 (0)

785.91 (1)

-785.91

▶ A. Rahman

0.00 (0)

750.00 (1)

-750.00

▶ RTN ITEM 091575 IBG RTN ITEM 20250606 REF-XXXX MBB GLOBAL ELECTRICAL SU IV-04640 - STOCK REP

681.50 (1)

0.00 (0)

681.50

▶ BANK FEES

0.00 (0)

631.15 (50)

-631.15

▶ TSFR FUND DR-ATM/EFT 283907 3813XXXXXX Aster Counterparty PURCHASE STORAGE

0.00 (0)

618.00 (1)

-618.00

▶ GIRO PYMT-ATM/EFT 231798

0.00 (0)

608.15 (1)

-608.15

▶ TSFR FUND DR-ATM/EFT 834288 3819XXXXXX JEGANSAMEINATHAN TRADING REF/APRIL/25/137

0.00 (0)

600.00 (1)

-600.00

▶ GIRO PYMT-ATM/EFT 735233

0.00 (0)

550.10 (1)

-550.10

▶ Aster Counterparty

0.00 (0)

515.33 (2)

-515.33

▶ TSFR FUND DR-ATM/EFT 548955 4902XXXXXX A. Rahman PCKL APR/01

0.00 (0)

495.45 (1)

-495.45

▶ RTN ITEM 091569 IBG RTN ITEM 20250606 REF-XXXX MBB KLINIK ALAMANDA 11/2024(NOV24) - MED

480.00 (1)

0.00 (0)

480.00

▶ GIRO PYMT-ATM/EFT 736463

0.00 (0)

467.14 (1)

-467.14

▶ GIRO PYMT-ATM/EFT 735656

0.00 (0)

454.10 (1)

-454.10

▶ GIRO PYMT-ATM/EFT 231540

0.00 (0)

417.02 (1)

-417.02

▶ GIRO PYMT-ATM/EFT 231672

0.00 (0)

414.25 (1)

-414.25

▶ MASSIVE FAN INDUSTRIES

0.00 (0)

400.00 (1)

-400.00

▶ WONG

400.00 (1)

0.00 (0)

400.00

▶ TSFR FUND DR-ATM/EFT 818610 3140XXXXXX C&M AIR CONDITION & ELEC REF-XXXX

0.00 (0)

380.00 (1)

-380.00

▶ GIRO PYMT-ATM/EFT 739616 358 28 103 609 03

0.00 (0)

358.28 (1)

-358.28

▶ REFLEX NIK A. Rahman

0.00 (0)

354.00 (1)

-354.00

▶ GIRO PYMT-ATM/EFT 814948

0.00 (0)

338.15 (1)

-338.15

▶ COMMITME / / - NT FEE CHARG

0.00 (0)

335.82 (6)

-335.82

▶ GIRO PYMT-ATM/EFT 736346

0.00 (0)

316.95 (1)

-316.95

▶ GIRO PYMT-ATM/EFT 068412

0.00 (0)

316.95 (1)

-316.95

▶ GIRO PYMT-ATM/EFT 284495

0.00 (0)

316.95 (1)

-316.95

▶ GIRO PYMT-ATM/EFT 284564

0.00 (0)

316.95 (1)

-316.95

▶ GIRO PYMT-ATM/EFT 740238

0.00 (0)

316.95 (1)

-316.95

▶ GIRO PYMT-ATM/EFT 834099

0.00 (0)

316.95 (1)

-316.95

▶ Sample transfer narrative

0.00 (0)

312.05 (1)

-312.05

▶ TSFR FUND DR-ATM/EFT 283881 3197XXXXXX BINTULU KERETA SEWA SERV TRANSPORTATION

0.00 (0)

310.00 (1)

-310.00

▶ FPX B2B PTPTN REF-XXXX - BUYER DR POTONG 70589/ 444/ GAJI MA

0.00 (0)

299.96 (1)

-299.96

▶ GIRO PYMT-ATM/EFT 231726

0.00 (0)

297.69 (1)

-297.69

▶ Sample transfer narrative

0.00 (0)

280.00 (1)

-280.00

▶ GIRO PYMT-ATM/EFT 735528

0.00 (0)

263.95 (1)

-263.95

▶ GIRO PYMT-ATM/EFT 285075

0.00 (0)

263.95 (1)

-263.95

▶ GIRO PYMT-ATM/EFT 740176

0.00 (0)

263.95 (1)

-263.95

▶ REFLEX A. Rahman

0.00 (0)

229.00 (1)

-229.00

▶ MECHCOMP / CIMB IBG - SOLUTIONS TRANSFER/ S

228.00 (1)

0.00 (0)

228.00

▶ REFLEX A. Rahman

0.00 (0)

215.00 (1)

-215.00

▶ GIRO PYMT-ATM/EFT 736526

0.00 (0)

212.74 (1)

-212.74

▶ GIRO PYMT-ATM/EFT 740154

0.00 (0)

209.86 (1)

-209.86

▶ Sample transfer narrative

0.00 (0)

204.00 (1)

-204.00

▶ RTN ITEM 091577 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 71198 - RENTAL FORKL

200.00 (1)

0.00 (0)

200.00

▶ RTN ITEM 091579 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 1001134 - RENTAL FOR

200.00 (1)

0.00 (0)

200.00

▶ GIRO PYMT-ATM/EFT 736301

0.00 (0)

179.15 (1)

-179.15

▶ GIRO PYMT-ATM/EFT 815036

0.00 (0)

179.15 (1)

-179.15

▶ GIRO PYMT-ATM/EFT 740224

0.00 (0)

179.15 (1)

-179.15

▶ TSFR FUND DR-ATM/EFT 232764 3199XXXXXX GREAT IMAGE MARKETING SB REF-XXXX

0.00 (0)

166.37 (1)

-166.37

▶ RTN ITEM 091572 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 99434 - RENTAL FORKL

164.50 (1)

0.00 (0)

164.50

▶ GIRO PYMT-ATM/EFT 817847

0.00 (0)

164.00 (1)

-164.00

▶ GIRO PYMT-ATM/EFT 232365

0.00 (0)

153.35 (1)

-153.35

▶ REF-XXXX

0.00 (0)

150.97 (1)

-150.97

▶ CHUA

0.00 (0)

150.00 (1)

-150.00

▶ GIRO PYMT-ATM/EFT 735762

0.00 (0)

144.00 (1)

-144.00

▶ GIRO PYMT-ATM/EFT 235499

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 236043

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 818395

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 818560

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 740343

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 740653

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 129680

0.00 (0)

132.00 (1)

-132.00

▶ GIRO PYMT-ATM/EFT 129698

0.00 (0)

132.00 (1)

-132.00

▶ Sample transfer narrative

0.00 (0)

124.00 (1)

-124.00

▶ GIRO PYMT-ATM/EFT 235964

0.00 (0)

123.00 (1)

-123.00

▶ GIRO PYMT-ATM/EFT 817888

0.00 (0)

123.00 (1)

-123.00

▶ GIRO PYMT-ATM/EFT 740315

0.00 (0)

123.00 (1)

-123.00

▶ GIRO PYMT-ATM/EFT 129724

0.00 (0)

123.00 (1)

-123.00

▶ Sample transfer narrative

0.00 (0)

122.10 (1)

-122.10

▶ RTN ITEM 091571 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 71199 - RENTAL FORKL

120.00 (1)

0.00 (0)

120.00

▶ REFLEX A. Rahman

0.00 (0)

117.00 (1)

-117.00

▶ GIRO PYMT-ATM/EFT 232158

0.00 (0)

116.75 (1)

-116.75

▶ Sample transfer narrative

0.00 (0)

113.00 (1)

-113.00

▶

0.00 (0)

110.00 (1)

-110.00

▶ Sample transfer narrative

0.00 (0)

106.88 (1)

-106.88

▶ REFLEX- A. Rahman

0.00 (0)

105.00 (1)

-105.00

▶ GIRO PYMT-ATM/EFT 740254

0.00 (0)

104.60 (1)

-104.60

▶ GIRO PYMT-ATM/EFT 235894

0.00 (0)

104.00 (1)

-104.00

▶ GIRO PYMT-ATM/EFT 817926

0.00 (0)

104.00 (1)

-104.00

▶ GIRO PYMT-ATM/EFT 740277

0.00 (0)

104.00 (1)

-104.00

▶ GIRO PYMT-ATM/EFT 129658

0.00 (0)

104.00 (1)

-104.00

▶ GIRO PYMT-ATM/EFT 235931

0.00 (0)

103.00 (1)

-103.00

▶ GIRO PYMT-ATM/EFT 817959

0.00 (0)

103.00 (1)

-103.00

▶ GIRO PYMT-ATM/EFT 747753

0.00 (0)

103.00 (1)

-103.00

▶ GIRO PYMT-ATM/EFT 129634

0.00 (0)

103.00 (1)

-103.00

▶ JOMPAY TABUNG

0.00 (0)

100.00 (2)

-100.00

▶ GIRO PYMT-ATM/EFT 235475

0.00 (0)

100.00 (1)

-100.00

▶ GIRO PYMT-ATM/EFT 818330

0.00 (0)

100.00 (1)

-100.00

▶ GIRO PYMT-ATM/EFT 734118

0.00 (0)

100.00 (1)

-100.00

▶ RTN ITEM 091570 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 70555 - RENTAL FORKL

100.00 (1)

0.00 (0)

100.00

▶ RTN ITEM 091573 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 72725 - RENTAL FORKL

100.00 (1)

0.00 (0)

100.00

▶ RTN ITEM 091574 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 73502 - RENTAL FORKL

100.00 (1)

0.00 (0)

100.00

▶ GIRO PYMT-ATM/EFT 254671

0.00 (0)

100.00 (1)

-100.00

▶ GIRO PYMT-ATM/EFT 815624

0.00 (0)

96.05 (1)

-96.05

▶ GIRO PYMT-ATM/EFT 834213

0.00 (0)

90.48 (1)

-90.48

▶ GIRO PYMT-ATM/EFT 736497

0.00 (0)

88.75 (1)

-88.75

▶ GIRO PYMT-ATM/EFT 235601

0.00 (0)

88.00 (1)

-88.00

▶ GIRO PYMT-ATM/EFT 818517

0.00 (0)

88.00 (1)

-88.00

▶ GIRO PYMT-ATM/EFT 740700

0.00 (0)

88.00 (1)

-88.00

▶ GIRO PYMT-ATM/EFT 129608

0.00 (0)

88.00 (1)

-88.00

▶ GIRO PYMT-ATM/EFT 735686

0.00 (0)

83.80 (1)

-83.80

▶ Sample transfer narrative

0.00 (0)

80.69 (1)

-80.69

▶ RTN ITEM 091578 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 71607 - RENTAL FORKL

80.00 (1)

0.00 (0)

80.00

▶ RTN ITEM 091580 IBG RTN ITEM 20250606 REF-XXXX MBB NATSELANE SERVICES 73501 - RENTAL FORKL

80.00 (1)

0.00 (0)

80.00

▶ Sample transfer narrative

0.00 (0)

77.63 (1)

-77.63

▶ Sample transfer narrative

0.00 (0)

77.54 (1)

-77.54

▶ TSFR FUND CR-ATM/EFT 865535 74 35 57 568 91 3172XXXXXX Aster Counterparty REFUND CUSTOMER

74.35 (1)

0.00 (0)

74.35

▶ SYED

68.99 (1)

0.00 (0)

68.99

▶ GIRO PYMT-ATM/EFT 834056 64 05 990 883 99

0.00 (0)

64.05 (1)

-64.05

▶ Sample transfer narrative

0.00 (0)

60.00 (1)

-60.00

▶ GIRO PYMT-ATM/EFT 834389

0.00 (0)

58.20 (1)

-58.20

▶ REFLEX FTT / - CHG OUR D 96R/

0.00 (0)

50.00 (1)

-50.00

▶ REFLEX FTT / - CHG OUR D 95R/

0.00 (0)

50.00 (1)

-50.00

▶ REFLEX FTT SMQ/593/ - CHG OUR D 40R/

0.00 (0)

50.00 (1)

-50.00

▶ REFLEX FTT / - CHG OUR D 45R/

0.00 (0)

50.00 (1)

-50.00

▶ REFLEX FTT / - CHG OUR D 44R/

0.00 (0)

50.00 (1)

-50.00

▶ REFLEX FTT / - CHG OUR D 90R/

0.00 (0)

50.00 (1)

-50.00

▶ REFLEX FTT / - CHG OUR D 88R/

0.00 (0)

50.00 (1)

-50.00

▶ Sample transfer narrative

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 235149

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 235403

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 818348

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 818363

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 733167

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 733215

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 254706

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 254727

0.00 (0)

50.00 (1)

-50.00

▶ GIRO PYMT-ATM/EFT 814865

0.00 (0)

45.20 (1)

-45.20

▶ Sample transfer narrative

0.00 (0)

44.40 (1)

-44.40

▶ GIRO PYMT-ATM/EFT 834081

0.00 (0)

40.80 (1)

-40.80

▶ CABLE CHRG

0.00 (0)

40.00 (2)

-40.00

▶ REFLEX- / / - BULK IBG CHGS

0.00 (0)

37.90 (4)

-37.90

▶ REFLEX- 1079856PPS ##########/ - BILL MB/ PAYMENT

0.00 (0)

36.00 (1)

-36.00

▶ MISC CR 30 00 20 199 22

30.00 (1)

0.00 (0)

30.00

▶ MISC CR 30 00 27 581 03

30.00 (1)

0.00 (0)

30.00

▶ GIRO PYMT-ATM/EFT 834114

0.00 (0)

29.20 (1)

-29.20

▶ GIRO PYMT-ATM/EFT 232016

0.00 (0)

29.16 (1)

-29.16

▶ GIRO PYMT-ATM/EFT 232244

0.00 (0)

24.75 (1)

-24.75

▶ Sample transfer narrative

0.00 (0)

23.00 (1)

-23.00

▶ GIRO PYMT-ATM/EFT 834374

0.00 (0)

22.11 (1)

-22.11

▶ RFLX OFTT / - CABLE CHG 96R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT / - CABLE CHG 95R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT SMQ/593/ - CABLE CHG 40R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT / - CABLE CHG 45R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT / - CABLE CHG 44R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT REF-XXXX/ - CABLE CHG 47R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT / - CABLE CHG 90R/

0.00 (0)

20.00 (1)

-20.00

▶ RFLX OFTT / - CABLE CHG 88R/

0.00 (0)

20.00 (1)

-20.00

▶ Sample transfer narrative

0.00 (0)

16.89 (1)

-16.89

▶ Sample transfer narrative

0.00 (0)

13.65 (1)

-13.65

▶ REFLEX- REFLEX OFTT 1828/ - AUTOCREDI MBP REBATE/ T OFTT REBATE

10.00 (1)

0.00 (0)

10.00

▶ UNCATEGORIZED

0.00 (0)

10.00 (1)

-10.00

▶ Sample transfer narrative

0.00 (0)

9.56 (1)

-9.56

▶ WISMA CENTRAL MANAGEMENT CORPORATION

0.00 (0)

7.20 (1)

-7.20

▶ GIRO PYMT-ATM/EFT 834197

0.00 (0)

2.55 (1)

-2.55

▶ REFLEX- / - REMITTANC 95R/ E CH

0.00 (0)

2.00 (1)

-2.00

▶ REFLEX- / - REMITTANC 44R/ E CH

0.00 (0)

2.00 (1)

-2.00

▶ REFLEX- / - REMITTANC 88R/ E CH

0.00 (0)

2.00 (1)

-2.00

▶ SUDAN

1.20 (1)

0.00 (0)

1.20

Own & Related Party Transactions

Own Party Cr txns

Own Party Dr txns

Related Party Cr txns

Related Party Dr txns

Date	Description	Amount (RM)	Type	Party Type	Party Name
2025-02-22	ESI PAYMENT DEBIT Aster Counterparty* AFC000004 000078	RM 3,055.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-22	ESI PAYMENT DEBIT Aster Counterparty* AFC000004 000078	RM 3,055.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-22	ESI PAYMENT DEBIT Aster Counterparty* AFC000004 000078	RM 3,055.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-23	ONLINE DEBIT NON CASH N1/Aster Counterparty* 3146113T0001	RM 150,009.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-05-22	ESI PAYMENT DEBIT Aster Counterparty* AFC000004 000078	RM 3,055.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-05	ONLINE DEBIT NON CASH N1/Aster Counterparty* 3146156T0003	RM 100,009.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-05	ONLINE DEBIT NON CASH N1/Aster Counterparty* 3146156T0003	RM 80,009.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-22	ESI PAYMENT DEBIT Aster Counterparty* AFC000004 000078	RM 3,055.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-07-22	ESI PAYMENT DEBIT Aster Counterparty* AFC000004 000078	RM 3,055.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-25	Sample transfer narrative	RM 30,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-25	Sample transfer narrative	RM 90,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-25	Sample transfer narrative	RM 90,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-25	Sample transfer narrative	RM 90,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-26	Sample transfer narrative	RM 30,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-26	Sample transfer narrative	RM 90,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-26	Sample transfer narrative	RM 90,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-26	Sample transfer narrative	RM 90,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-26	Sample transfer narrative	RM 170,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-09	Sample transfer narrative	RM 63,000.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-05-02	Sample transfer narrative	RM 27,286.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-05	Sample transfer narrative	RM 27,286.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-11	Sample transfer narrative	RM 149,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-07-31	Sample transfer narrative	RM 13,395.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-07-31	Sample transfer narrative	RM 15,295.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-07-31	Sample transfer narrative	RM 66,975.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-07	DUITNOW TRSF DR 236048 Aster Counterparty REF-XX-01	RM 1,430.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-07	Sample transfer narrative	RM 4,751.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-07	DUITNOW TRSF DR 239560 Aster Counterparty REF-XX-01	RM 2,255.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-07	DUITNOW TRSF DR 240166 Aster Counterparty REF-XX-01	RM 1,137.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-02-07	DUITNOW TRSF DR 250658 Aster Counterparty REF-XX-01	RM 2,139.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-20	Sample transfer narrative	RM 66,975.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-20	Sample transfer narrative	RM 15,295.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-20	Sample transfer narrative	RM 13,395.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-03-26	Sample transfer narrative	RM 170,000.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-07	DUITNOW TRSF DR 072049 Aster Counterparty REF-XX-04	RM 1,137.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-07	DUITNOW TRSF DR 073485 Aster Counterparty REF-XX-04	RM 1,430.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-07	Sample transfer narrative	RM 4,751.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-07	DUITNOW TRSF DR 075691 Aster Counterparty REF-XX-04	RM 2,139.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-07	DUITNOW TRSF DR 076403 Aster Counterparty REF-XX-04	RM 2,255.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-09	DUITNOW TRSF CR 012184 63,000.00 102,576.70 Aster Counterparty	RM 63,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-23	Sample transfer narrative	RM 80,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-04-26	DUITNOW TRSF DR 247790 13,395.00 10,609.43 Aster Counterparty	RM 13,395.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-05-28	Sample transfer narrative	RM 13,395.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-05-28	Sample transfer narrative	RM 66,975.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-05-28	Sample transfer narrative	RM 15,295.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-05-29	DUITNOW TRSF CR 161239 Aster Counterparty FUND TO CLEA	RM 200,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-05	RMT CR 256347 AT CPC 80,000.00 298,831.79 Aster Counterparty S	RM 80,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-17	DUITNOW TRSF CR 193696 50,000.00 107,568.91 Aster Counterparty	RM 50,000.00	CREDIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-27	Sample transfer narrative	RM 66,975.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)
2025-06-27	Sample transfer narrative	RM 15,295.00	DEBIT	OWN	Aster Counterparty (OWN-PARTY)

Showing first 50 of 53 transactions

Total Disbursements

236,268

Total Repayments

Disbursement Txns

Repayment Txns

Disbursements (Credits)

Date	Description	Amount	Category
No disbursements

Repayments (Debits)

Date	Description	Amount	Category
2025-02-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-03-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-04-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-05-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-06-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-07-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-02-02	AUTOMATED LOAN PYMT TO ########## AT H49 1,276.00 428,6	RM 1,276.00	loan_repayment
2025-02-07	LOAN PYMT-ATM/EFT 232780 ##########/90010 Aster Counterparty S	RM 1,370.00	loan_repayment
2025-02-07	LOAN PYMT-ATM/EFT 232789 ##########/90010 Aster Counterparty S	RM 2,022.00	loan_repayment
2025-02-07	Sample transfer narrative	RM 15,413.00	loan_repayment
2025-03-02	AUTOMATED LOAN PYMT TO ########## AT H49 1,276.00 63,08	RM 1,276.00	loan_repayment
2025-04-02	AUTOMATED LOAN PYMT TO ########## AT H49	RM 1,276.00	loan_repayment
2025-04-07	LOAN PYMT-ATM/EFT 068372 2,022.00 189,328.29 ##########	RM 2,022.00	loan_repayment
2025-04-07	LOAN PYMT-ATM/EFT 068386 ##########/90010 Aster Counterparty S	RM 1,370.00	loan_repayment
2025-04-07	Sample transfer narrative	RM 15,413.00	loan_repayment
2025-05-02	AUTOMATED LOAN PYMT TO ########## AT H49 1,276.00 61,33	RM 1,276.00	loan_repayment
2025-06-02	AUTOMATED LOAN PYMT TO ########## AT H49 1,276.00 218,9	RM 1,276.00	loan_repayment
2025-06-05	Sample transfer narrative	RM 27,286.00	loan_repayment
2025-07-02	AUTOMATED LOAN PYMT TO ########## AT H49	RM 1,276.00	loan_repayment

Statutory Compliance

GAPS_DETECTED

4/5

EPF Coverage (80%)

Missing: 2025-06

4/5

SOCSO Coverage (80%)

Missing: 2025-06

LHDN (months paid)

RM 206,170

HRDF (months paid)

RM 16,967

EPF Monthly Ratios (target 8–16%)

Month	EPF	Salary	Ratio	Status
2025-02	76,588.00	385,103.50	19.89%	CATCH_UP
2025-03	84,911.00	652,447.77	13.01%	OK
2025-05	110,930.00	802,923.23	13.82%	OK
2025-07	124,685.00	724,122.21	17.22%	CATCH_UP

SOCSO Monthly Ratios (target 1–5%)

Month	SOCSO	Salary	Ratio	Status
2025-02	9,590.70	385,103.50	2.49%	OK
2025-03	9,668.70	652,447.77	1.48%	OK
2025-05	13,510.50	802,923.23	1.68%	OK
2025-07	37,286.80	724,122.21	5.15%	CATCH_UP

Employer Footprint Checks

Sub-threshold employer check

Salary detected: RM 3,260,448.68 · Threshold: RM 30,000

Total salary RM 3,260,448.68 above sub-threshold.

Channel-blind employer check

Cheque DR: RM 0.85 (0.0% of gross DR RM 7,459,738.75)

Thresholds: ≥ RM 500,000 AND ≥ 10%

Cheque-DR RM 0.85 (0.0% of gross DR) below channel-blind thresholds.

Risk Signals

8 of 16 detected

#	Signal	Status	Remarks
1	Returned Cheques (Inward)	NO	No inward returned cheques in the period.
2	Returned Cheques (Outward)	NO	No outward returned cheques in the period.
3	Round Figure Credits (AML)	YES	23 round-figure credits totalling RM 2,760,000.00.
4	High Value Credits (>3x EOD)	YES	13 credits exceed 3x daily EOD totalling RM 2,300,871.72.
5	Cash Deposits (AML)	NO	No cash deposits in the period.
6	EPF Compliance	YES	EPF coverage 80.0% — review monthly contributions.
7	SOCSO Compliance	YES	SOCSO coverage 80.0% — review monthly contributions.
8	LHDN Tax Payments	NO	LHDN payments detected: 6 tx totalling RM 206,170.30 (PCB/CP204/SST — schedules differ; informational only).
9	Large Credits (>=RM100K)	YES	13 large credits (>=RM100K) totalling RM 4,828,500.22.
10	Own Party Transactions	YES	Own-party CR RM 1,449,922.35 (20.9% of gross credits); DR RM 1,000,836.00 (13.4% of gross debits).
11	Related Party Transactions	NO	No related-party transactions detected.
12	Loan Activity	YES	Loan disbursements RM 0.00; loan repayments RM 236,268.00.
13	Data Quality	NO	Statement data complete across the period.
14	FX Transactions	NO	No FX (foreign-currency) activity detected.
15	Low Closing Balance	YES	Closing balance below RM 1,000.00 in: 2025-02 (RM -845,425.30), 2025-03 (RM -834,810.21), 2025-04 (RM -840,813.71), 2025-05 (RM -716,605.41), 2025-06 (RM -832,395.44), 2025-07 (RM -863,631.26).
16	HRDF Payments	NO	HRDF payments detected: 4 tx totalling RM 16,967.29 (informational; no coverage ratio computed).

Round Figure Credits (AML) — Detail

23 transactions

Credits that are exact round multiples (Flag 3). Listed so the analyst can trace each back to the statement before treating it as anomalous — round contract payments are common for service operators.

Date	Description	Amount (RM)	Balance
2025-02-25	Sample transfer narrative	RM 30,000.00	-740,138.57
2025-02-25	Sample transfer narrative	RM 90,000.00	-650,138.57
2025-02-25	Sample transfer narrative	RM 90,000.00	-560,138.57
2025-02-25	Sample transfer narrative	RM 90,000.00	-470,138.57
2025-03-26	Sample transfer narrative	RM 30,000.00	-842,701.30
2025-03-26	Sample transfer narrative	RM 90,000.00	-687,701.30
2025-03-26	Sample transfer narrative	RM 90,000.00	-597,701.30
2025-03-26	Sample transfer narrative	RM 90,000.00	-507,701.30
2025-03-26	Sample transfer narrative	RM 170,000.00	-337,701.30
2025-05-29	REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 13/ APPY 01944001	RM 130,000.00	-710,813.71
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 90,000.00	-289,430.50
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 90,000.00	-199,430.50
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 90,000.00	-109,430.50
2025-07-29	Sample transfer narrative	RM 370,000.00	260,569.50
2025-04-23	DUITNOW TRSF CR 070661 80,000.00 105,772.43 Aster Counterparty FUND T	RM 80,000.00	105,772.43
2025-05-27	DUITNOW TRSF CR 060236 500,000.00 1,062,775.18 Aster Counterparty FUN	RM 500,000.00	1,062,775.18
2025-05-29	DUITNOW TRSF CR 161239 Aster Counterparty FUND TO Aster Counterparty 2025052	RM 200,000.00	220,199.22
2025-06-05	RMT CR 256347 AT CPC 80,000.00 298,831.79 Aster Counterparty	RM 80,000.00	298,831.79
2025-06-17	DUITNOW TRSF CR 193696 50,000.00 107,568.91 Aster Counterparty.	RM 50,000.00	107,568.91
2025-07-08	DUITNOW TRSF CR 037350 90,000.00 107,851.16 Aster Counterparty	RM 90,000.00	107,851.16
2025-07-08	Sample transfer narrative	RM 90,000.00	197,851.16
2025-07-08	Sample transfer narrative	RM 90,000.00	287,851.16
2025-07-08	Sample transfer narrative	RM 40,000.00	327,851.16

FX Classification Methodology

Transactions are classified as FX only when there is clear evidence of foreign currency conversion. Key rules:

Default rule: NOT classified as FX unless clear conversion evidence exists
TT CREDIT = Telegraphic Transfer (payment method), NOT a currency indicator
RENTAS / JANM = Domestic MYR-to-MYR interbank transfers (Real-time Electronic Transfer of Funds and Securities)
Voucher codes (GBPV, USDP) in reference fields = internal bank numbering, not currency denominations
True FX requires: conversion rate, foreign currency amount, SWIFT codes, or foreign beneficiary with non-MYR amounts

FX Credits (Total)

FX Debits (Total)

0.0%

FX Cr % of Gross

0.0%

FX Dr % of Gross

None detected

Currencies Detected

FX / Remittance Trend

Monthly FX Breakdown

Month	FX Cr Amount	FX Dr Amount	Currencies
2025-02	RM 0.00	RM 0.00	-
2025-03	RM 0.00	RM 0.00	-
2025-04	RM 0.00	RM 0.00	-
2025-05	RM 0.00	RM 0.00	-
2025-06	RM 0.00	RM 0.00	-
2025-07	RM 0.00	RM 0.00	-

What are Unclassified Transactions?

These are transactions whose descriptions are too vague or do not match any known classification rule. Unclassified credits remain in Net Credits and unclassified debits remain in Net Debits — they are NOT excluded. This section highlights them for analyst review.

RM 1,554,642

Unclassified Credits

RM 1,605,442

Unclassified Debits

Credit Txn Count

258

Debit Txn Count

Monthly Breakdown

Month	Uncl Cr #	Uncl Cr Amt	Uncl Dr #	Uncl Dr Amt	% of Net Cr
2025-02	9	RM 24,125.94	41	RM 158,905.53	75.0%
2025-03	14	RM 164,390.68	41	RM 133,189.97	20.2%
2025-04	7	RM 72,444.00	16	RM 126,087.30	16.0%
2025-05	5	RM 130,044.00	37	RM 339,591.64	7.7%
2025-06	17	RM 37,595.00	62	RM 440,814.64	3.7%
2025-07	13	RM 1,126,042.55	61	RM 406,852.50	76.4%

Individual Unclassified Transactions (≥ RM 10,000)

45 transactions

Date	Description	Amount	Type
2025-03-29	TRANSFER TO A/C SEA LANE SHIPPING S* REF-XXXX MBB CT-	RM 27,090.00	CREDIT
2025-02-28	REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 15/ APPY 01867001	RM 18,884.10	CREDIT
2025-03-26	Sample transfer narrative	RM 65,000.00	CREDIT
2025-03-26	REFLEX FTT SMQ/593/ - 40R/	RM 66,541.60	DEBIT
2025-03-28	Sample transfer narrative	RM 67,600.00	CREDIT
2025-04-04	CREDIT SKY / / - TRANSFER MILLENNIU M DOCUM	RM 62,544.00	CREDIT
2025-05-29	REFLEX- Daya Appy DY6SAMPLE - Auto Credit Enterprise 13/ APPY 01944001	RM 130,000.00	CREDIT
2025-06-12	FPX B2B Tax Board - Buyer DR 60558/ 4019/ DALAM	RM 60,208.00	DEBIT
2025-06-12	FPX B2B Tax Board - Buyer DR 10007/ 4019/ DALAM	RM 88,678.00	DEBIT
2025-06-12	REFLEX FTT REF-XXXX/ - 47R/	RM 110,947.20	DEBIT
2025-06-23	Sample transfer narrative	RM 24,996.38	CREDIT
2025-07-25	LOCAL CHQ MBIS/ -/ - DEP	RM 404,936.94	CREDIT
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 71,000.00	CREDIT
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 90,000.00	CREDIT
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 90,000.00	CREDIT
2025-07-29	RPP AURA / Fund / - INWARD GLOBAL Transfer INST TRF SOLUTION	RM 90,000.00	CREDIT
2025-07-29	Sample transfer narrative	RM 370,000.00	CREDIT
2025-07-31	Sample transfer narrative	RM 14,684.69	DEBIT
2025-07-31	FPX B2B Tax Board - Buyer DR 30673/ 59/ DALAM	RM 20,372.65	DEBIT
2025-07-31	Sample transfer narrative	RM 110,361.00	DEBIT
2025-07-31	Sample transfer narrative	RM 116,746.02	DEBIT
2025-02-04	RMT DR	RM 18,563.20	DEBIT
2025-02-07	DUITNOW TRSF DR 234465 A. Rahman REF-XXXX	RM 15,587.84	DEBIT
2025-02-07	Sample transfer narrative	RM 10,112.49	DEBIT
2025-02-07	DUITNOW TRSF DR 237549 ORIX CREDIT MALAYSIA SDN. REF-XXXX 23055	RM 24,135.00	DEBIT
2025-02-14	Sample transfer narrative	RM 18,022.16	DEBIT
2025-02-20	Sample transfer narrative	RM 43,552.68	DEBIT
2025-03-20	Sample transfer narrative	RM 31,440.16	DEBIT
2025-04-07	DUITNOW TRSF DR 074033 ORIX CREDIT MALAYSIA SDN. REF-XXXX 23055	RM 24,135.00	DEBIT
2025-04-09	RMT DR REF-XXXX OUTWARD TT Aster Counterparty	RM 66,498.97	DEBIT
2025-05-08	RMT DR REF-XXXX OUTWARD TT Aster Counterparty	RM 12,367.82	DEBIT
2025-05-15	DUITNOW TRSF DR 548973 METASOFT DIGITAL PLT DIV-000693 REF-XXXX	RM 11,630.00	DEBIT
2025-05-21	RMT DR REF-XXXX OUTWARD TT 89,109.68 802,584.27 FLUID POWER	RM 89,109.68	DEBIT
2025-05-21	DUITNOW TRSF DR 511585 HARTRODT AIR SERVICE AIR FREIGHT CHARGES FOR JA	RM 17,467.51	DEBIT
2025-05-26	Sample transfer narrative	RM 27,942.65	DEBIT
2025-05-28	RMT DR REF-XXXX OUTWARD TT Aster Counterparty	RM 60,664.00	DEBIT
2025-05-28	RMT DR REF-XXXX OUTWARD TT Aster Counterparty	RM 74,097.42	DEBIT
2025-06-05	DUITNOW TRSF DR 693595 A. Rahman	RM 25,818.90	DEBIT
2025-06-05	Sample transfer narrative	RM 19,408.64	DEBIT
2025-06-18	Sample transfer narrative	RM 44,713.11	DEBIT
2025-06-25	DUITNOW TRSF DR 834294 SBS ENGINEERING WORK INV NO. 1674 - NEW MATERIA	RM 11,200.00	DEBIT
2025-06-27	Sample transfer narrative	RM 12,000.00	DEBIT
2025-07-08	DUITNOW TRSF DR 127431 A. Rahman	RM 29,441.37	DEBIT
2025-07-08	DUITNOW TRSF DR 128219 HARTRODT AIR SERVICE 25105531 - DUTY AND TAX CO	RM 54,561.01	DEBIT
2025-07-09	DUITNOW TRSF DR 579961 SBS ENGINEERING WORK INV NO. 1673 - NEW MATERIA	RM 10,800.00	DEBIT

100.0%

Success Rate

588

Txns Extracted

18/18

Balance Checks Passed

Extraction Gaps

RM 0

Missing Debits

RM 0

Missing Credits

Balance Reconciliation Detail

Month	Account	Opening Balance	Gross Credits	Gross Debits	Expected Closing	Actual Closing	Status	Txns	Gaps
2025-02	••••••••••7991	-742,852.57	318,884.10	421,456.83	-845,425.30	-845,425.30	PASS	17	—
2025-03	••••••••••7991	-845,425.30	604,610.00	593,994.91	-834,810.21	-834,810.21	PASS	28	—
2025-04	••••••••••7991	-834,810.21	90,951.00	96,954.50	-840,813.71	-840,813.71	PASS	9	—
2025-05	••••••••••7991	-840,813.71	157,286.00	33,077.70	-716,605.41	-716,605.41	PASS	5	—
2025-06	••••••••••7991	-716,605.41	201,282.38	317,072.41	-832,395.44	-832,395.44	PASS	23	—
2025-07	••••••••••7991	-832,395.44	1,120,250.94	1,151,486.76	-863,631.26	-863,631.26	PASS	65	—
2025-02	••••••2120	429,905.57	13,277.84	378,818.30	64,365.11	64,365.11	PASS	69	—
2025-03	••••••2120	64,365.11	652,357.22	690,731.44	25,990.89	25,990.89	PASS	68	—
2025-04	••••••2120	25,990.89	377,964.70	341,346.16	62,609.43	62,609.43	PASS	41	—
2025-05	••••••2120	62,609.43	1,581,453.56	1,423,877.57	220,185.42	220,185.42	PASS	81	—
2025-06	••••••2120	220,185.42	1,126,653.08	1,312,904.97	33,933.53	33,933.53	PASS	111	—
2025-07	••••••2120	33,933.53	322,879.81	349,192.20	7,621.14	7,621.14	PASS	51	—
2025-02	••••••6545	50,483.76	0.00	3,133.00	47,350.76	47,350.76	PASS	2	—
2025-03	••••••6545	47,350.76	27,090.00	3,133.00	71,307.76	71,307.76	PASS	3	—
2025-04	••••••6545	71,307.76	125,565.98	153,142.00	43,731.74	43,731.74	PASS	4	—
2025-05	••••••6545	43,731.74	185,459.04	3,133.00	226,057.78	226,057.78	PASS	3	—
2025-06	••••••6545	226,057.78	0.00	183,151.00	42,906.78	42,906.78	PASS	4	—
2025-07	••••••6545	42,906.78	31,396.09	3,133.00	71,169.87	71,169.87	PASS	4	—

Classification Configuration

Schema Version6.3.5

Rulebook Versionv3.5

Execution ModeFULL_CODE

Large Credit ThresholdRM 100,000

Unclassified Listing ThresholdRM 10,000

Known Factoring EntitiesNone configured

Formula Validation Checks (V1–V6)

ID	Check	Severity	Status	Remarks
V1	Net Credits = Gross - Exclusions	BLOCKING	PASS	Delta: RM 0.00
V2	Net Debits = Gross - Own Party (C02)	BLOCKING	PASS	Delta: RM 0.00
V3	EPF/Salary ratio 8-16%	WARNING	PASS	12.8%
V4	SOCSO/Salary ratio 1-5%	WARNING	PASS	2.3%
V5	C02+C11 dual-tag exclusion	BLOCKING	PASS	Single deduction via C02
V6	Monthly net_cr sum = consolidated	BLOCKING	PASS	Delta: RM 0.00

PDFs Analyzed

Total Checks

HIGH Findings

MEDIUM Findings

02. FEB 2025-MBB.PDF LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 10 monetary amounts use the same font (ArialUnicodeMS\|8.0) and color. No anomalies detected.	dominant_money_font: ArialUnicodeMS\|8.0, font_consistency_pct: 100.0, total_money_spans: 10, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Maybank Islamic (Elixir/iText) profile (creator/producer and fonts consistent).	profile: Maybank Islamic (Elixir/iText), status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

03. MAR 2025-MBB.PDF LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 13 monetary amounts use the same font (ArialUnicodeMS\|8.0) and color. No anomalies detected.	dominant_money_font: ArialUnicodeMS\|8.0, font_consistency_pct: 100.0, total_money_spans: 13, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Maybank Islamic (Elixir/iText) profile (creator/producer and fonts consistent).	profile: Maybank Islamic (Elixir/iText), status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

04. APRIL 2025-MBB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 15 monetary amounts use the same font (ArialUnicodeMS\|8.0) and color. No anomalies detected.	dominant_money_font: ArialUnicodeMS\|8.0, font_consistency_pct: 100.0, total_money_spans: 15, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Maybank Islamic (Elixir/iText) profile (creator/producer and fonts consistent).	profile: Maybank Islamic (Elixir/iText), status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

05. MAY 2025.PDF LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 13 monetary amounts use the same font (ArialUnicodeMS\|8.0) and color. No anomalies detected.	dominant_money_font: ArialUnicodeMS\|8.0, font_consistency_pct: 100.0, total_money_spans: 13, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Maybank Islamic (Elixir/iText) profile (creator/producer and fonts consistent).	profile: Maybank Islamic (Elixir/iText), status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

06. JUNE 2025.PDF LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 15 monetary amounts use the same font (ArialUnicodeMS\|8.0) and color. No anomalies detected.	dominant_money_font: ArialUnicodeMS\|8.0, font_consistency_pct: 100.0, total_money_spans: 15, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Maybank Islamic (Elixir/iText) profile (creator/producer and fonts consistent).	profile: Maybank Islamic (Elixir/iText), status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

07. JULY 2025.PDF LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 15 monetary amounts use the same font (ArialUnicodeMS\|8.0) and color. No anomalies detected.	dominant_money_font: ArialUnicodeMS\|8.0, font_consistency_pct: 100.0, total_money_spans: 15, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Maybank Islamic (Elixir/iText) profile (creator/producer and fonts consistent).	profile: Maybank Islamic (Elixir/iText), status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

02. FEB 2025-RHB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 38 monetary amounts use the same font (Helvetica\|8.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|8.0, font_consistency_pct: 100.0, total_money_spans: 38, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known RHB JasperReports profile (creator/producer and fonts consistent).	profile: RHB JasperReports, status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

03. MAR 2025-RHB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 59 monetary amounts use the same font (Helvetica\|8.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|8.0, font_consistency_pct: 100.0, total_money_spans: 59, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known RHB JasperReports profile (creator/producer and fonts consistent).	profile: RHB JasperReports, status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

04. APR 2025-RHB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 21 monetary amounts use the same font (Helvetica\|8.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|8.0, font_consistency_pct: 100.0, total_money_spans: 21, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known RHB JasperReports profile (creator/producer and fonts consistent).	profile: RHB JasperReports, status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

05.MAY 2025-RHB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 14 monetary amounts use the same font (Helvetica\|8.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|8.0, font_consistency_pct: 100.0, total_money_spans: 14, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known RHB JasperReports profile (creator/producer and fonts consistent).	profile: RHB JasperReports, status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

06.JUNE 2025-RHB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 49 monetary amounts use the same font (Helvetica\|8.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|8.0, font_consistency_pct: 100.0, total_money_spans: 49, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known RHB JasperReports profile (creator/producer and fonts consistent).	profile: RHB JasperReports, status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

07.JULY 2025-RHB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 131 monetary amounts use the same font (Helvetica\|8.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|8.0, font_consistency_pct: 100.0, total_money_spans: 131, anomalous_count: 0, status: CLEAN
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known RHB JasperReports profile (creator/producer and fonts consistent).	profile: RHB JasperReports, status: MATCH
structural	LOW	PDF version: 1.4	pdf_version: 1.4

02. FEB 2025-PBB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 170 monetary amounts use the same font (Helvetica\|9.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|9.0, font_consistency_pct: 100.0, total_money_spans: 170, anomalous_count: 0, status: CLEAN
fonts	LOW	Document uses 12 distinct font/size combinations — bank statements typically use 2-5.	distinct_fonts: 12
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}, {'page': 6, 'hash': 'sample-hash'}, {'page': 7, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Public Bank iTextSharp profile (creator/producer and fonts consistent).	profile: Public Bank iTextSharp, status: MATCH
structural	LOW	PDF version: 1.7	pdf_version: 1.7

03. MAR 2025-PBB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 171 monetary amounts use the same font (Helvetica\|9.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|9.0, font_consistency_pct: 100.0, total_money_spans: 171, anomalous_count: 0, status: CLEAN
fonts	LOW	Document uses 12 distinct font/size combinations — bank statements typically use 2-5.	distinct_fonts: 12
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}, {'page': 6, 'hash': 'sample-hash'}, {'page': 7, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Public Bank iTextSharp profile (creator/producer and fonts consistent).	profile: Public Bank iTextSharp, status: MATCH
structural	LOW	PDF version: 1.7	pdf_version: 1.7

04. APR 2025-PBB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 109 monetary amounts use the same font (Helvetica\|9.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|9.0, font_consistency_pct: 100.0, total_money_spans: 109, anomalous_count: 0, status: CLEAN
fonts	LOW	Document uses 12 distinct font/size combinations — bank statements typically use 2-5.	distinct_fonts: 12
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Public Bank iTextSharp profile (creator/producer and fonts consistent).	profile: Public Bank iTextSharp, status: MATCH
structural	LOW	PDF version: 1.7	pdf_version: 1.7

05.MAY 2025-PBB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 206 monetary amounts use the same font (Helvetica\|9.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|9.0, font_consistency_pct: 100.0, total_money_spans: 206, anomalous_count: 0, status: CLEAN
fonts	LOW	Document uses 12 distinct font/size combinations — bank statements typically use 2-5.	distinct_fonts: 12
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}, {'page': 6, 'hash': 'sample-hash'}, {'page': 7, 'hash': 'sample-hash'}, {'page': 8, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Public Bank iTextSharp profile (creator/producer and fonts consistent).	profile: Public Bank iTextSharp, status: MATCH
structural	LOW	PDF version: 1.7	pdf_version: 1.7

06. JUNE 2025-PBB.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 273 monetary amounts use the same font (Helvetica\|9.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|9.0, font_consistency_pct: 100.0, total_money_spans: 273, anomalous_count: 0, status: CLEAN
fonts	LOW	Document uses 12 distinct font/size combinations — bank statements typically use 2-5.	distinct_fonts: 12
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}, {'page': 6, 'hash': 'sample-hash'}, {'page': 7, 'hash': 'sample-hash'}, {'page': 8, 'hash': 'sample-hash'}, {'page': 9, 'hash': 'sample-hash'}, {'page': 10, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Public Bank iTextSharp profile (creator/producer and fonts consistent).	profile: Public Bank iTextSharp, status: MATCH
structural	LOW	PDF version: 1.7	pdf_version: 1.7

••••••2120_2025-July.pdf LOW

Layer	Severity	Finding	Detail
fonts	LOW	Font consistency: 100.0% — all 131 monetary amounts use the same font (Helvetica\|9.0) and color. No anomalies detected.	dominant_money_font: Helvetica\|9.0, font_consistency_pct: 100.0, total_money_spans: 131, anomalous_count: 0, status: CLEAN
fonts	LOW	Document uses 12 distinct font/size combinations — bank statements typically use 2-5.	distinct_fonts: 12
visual	LOW	Page render hashes computed for cross-document comparison.	page_hashes: [{'page': 1, 'hash': 'sample-hash'}, {'page': 2, 'hash': 'sample-hash'}, {'page': 3, 'hash': 'sample-hash'}, {'page': 4, 'hash': 'sample-hash'}, {'page': 5, 'hash': 'sample-hash'}, {'page': 6, 'hash': 'sample-hash'}]
bank_profile	LOW	PDF matches known Public Bank iTextSharp profile (creator/producer and fonts consistent).	profile: Public Bank iTextSharp, status: MATCH
structural	LOW	PDF version: 1.7	pdf_version: 1.7