{"id":12333,"date":"2024-07-10T23:39:25","date_gmt":"2024-07-10T23:39:25","guid":{"rendered":"https:\/\/iesco.my\/?p=12333"},"modified":"2024-10-21T10:35:26","modified_gmt":"2024-10-21T10:35:26","slug":"%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7","status":"publish","type":"post","link":"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/","title":{"rendered":"\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0628\u0627\u0644\u062e\u0637\u0648\u0627\u062a (2024)"},"content":{"rendered":"<p style=\"direction: rtl; text-align: right;\"><span style=\"font-weight: 400;\">\u00a0\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 <a 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https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0647\u0645\u064a\u0629-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-400x400.webp 400w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0647\u0645\u064a\u0629-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-160x160.webp 160w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0647\u0645\u064a\u0629-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-120x120.webp 120w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<div class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/div>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d8%a3%d9%87%d9%85%d9%8a%d8%a9-%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%84%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8\" >\u0623\u0647\u0645\u064a\u0629 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0644\u0644\u0623\u062c\u0627\u0646\u0628<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#-%d9%87%d9%84-%d9%8a%d9%85%d9%83%d9%86-%d9%84%d9%84%d8%b7%d8%a7%d9%84%d8%a8-%d8%a7%d9%84%d8%a3%d8%ac%d9%86%d8%a8%d9%8a-%d8%a3%d9%86-%d9%8a%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8%d8%a7-%d8%a8%d9%86%d9%83%d9%8a%d8%a7-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7%d8%9f-%d9%88%d9%85%d8%a7-%d9%87%d9%8a-%d8%a7%d9%84%d8%b4%d8%b1%d9%88%d8%b7-%d9%88%d8%a7%d9%84%d9%85%d8%b3%d8%aa%d9%86%d8%af%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b7%d9%84%d9%88%d8%a8%d8%a9%d8%9f\" >\u00a0 \u0647\u0644 \u064a\u0645\u0643\u0646 \u0644\u0644\u0637\u0627\u0644\u0628 \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0623\u0646 \u064a\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627 \u0628\u0646\u0643\u064a\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u061f \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629\u061f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d8%a3%d9%86%d9%88%d8%a7%d8%b9-%d8%a7%d9%84%d8%ad%d8%b3%d8%a7%d8%a8%d8%a7%d8%aa-%d8%a7%d9%84%d8%a8%d9%86%d9%83%d9%8a%d8%a9-%d8%a7%d9%84%d9%85%d8%aa%d8%a7%d8%ad%d8%a9-%d9%84%d9%84%d8%b7%d9%84%d8%a7%d8%a8-%d9%84%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8\" >\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0637\u0644\u0627\u0628 \u0644\u0644\u0623\u062c\u0627\u0646\u0628<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d8%ae%d8%b7%d9%88%d8%a7%d8%aa-%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%84%d9%84%d8%b7%d9%84%d8%a7%d8%a8-%d8%a7%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\" >\u062e\u0637\u0648\u0627\u062a \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d9%85%d9%84%d8%a7%d8%ad%d8%b8%d8%a7%d8%aa-%d9%87%d8%a7%d9%85%d8%a9\" >\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u0647\u0627\u0645\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d8%aa%d8%ad%d8%af%d9%8a%d8%a7%d8%aa-%d9%82%d8%af-%d8%aa%d9%88%d8%a7%d8%ac%d9%87%d9%87%d8%a7-%d9%88%d9%83%d9%8a%d9%81-%d8%aa%d8%aa%d8%b5%d8%b1%d9%81\" >\u062a\u062d\u062f\u064a\u0627\u062a \u0642\u062f \u062a\u0648\u0627\u062c\u0647\u0647\u0627 \u0648\u0643\u064a\u0641 \u062a\u062a\u0635\u0631\u0641<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d8%a3%d9%81%d8%b6%d9%84-%d8%a8%d9%86%d9%88%d9%83-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%84%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8-%d9%88%d8%a7%d9%84%d8%b7%d9%84%d8%a7%d8%a8-%d8%a7%d9%84%d8%af%d9%88%d9%84%d9%8a%d9%8a%d9%86\" >\u0623\u0641\u0636\u0644 \u0628\u0646\u0648\u0643 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u0648\u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u062f\u0648\u0644\u064a\u064a\u0646<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d9%84%d9%85%d8%ad%d8%a9-%d8%b9%d9%86-%d9%85%d8%b5%d8%a7%d8%b1%d9%8a%d9%81-%d9%88%d8%b1%d8%b3%d9%88%d9%85-%d8%a7%d9%84%d8%a8%d9%86%d9%88%d9%83-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a9\" >\u0644\u0645\u062d\u0629 \u0639\u0646 \u0645\u0635\u0627\u0631\u064a\u0641 \u0648\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d9%85%d8%ad%d8%a7%d9%81%d8%b8-%d8%a5%d9%84%d9%83%d8%aa%d8%b1%d9%88%d9%86%d9%8a%d8%a9-%d9%85%d9%85%d9%8a%d8%b2%d8%a9-%d9%8a%d9%85%d9%83%d9%86%d9%83-%d8%aa%d8%ac%d8%b1%d8%a8%d8%aa%d9%87%d8%a7-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\" >\u0645\u062d\u0627\u0641\u0638 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0645\u064a\u0632\u0629 \u064a\u0645\u0643\u0646\u0643 \u062a\u062c\u0631\u0628\u062a\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/iesco.my\/ar\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/#%d8%a5%d8%ac%d8%a7%d8%a8%d8%a9-%d8%a7%d9%84%d8%a3%d8%b3%d8%a6%d9%84%d8%a9-%d8%a7%d9%84%d8%b4%d8%a7%d8%a6%d8%b9%d8%a9\" >\u0625\u062c\u0627\u0628\u0629 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d8%a3%d9%87%d9%85%d9%8a%d8%a9-%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%84%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8\"><\/span>\u0623\u0647\u0645\u064a\u0629 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0644\u0644\u0623\u062c\u0627\u0646\u0628<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"direction: rtl; text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u062d\u0645\u0644 <strong>\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/strong> \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u062f\u0648\u0644\u064a\u064a\u0646 \u0648\u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 \u062d\u064a\u0627\u062a\u0647\u0645 \u0623\u0633\u0647\u0644 \u0648\u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627.<\/span><\/p>\n<ul>\n<li style=\"direction: rtl; text-align: right;\"><span style=\"font-weight: 400;\"><strong>\u0623\u0648\u0644\u0627\u064b\u060c \u064a\u0633\u0647\u0644 \u0648\u062c\u0648\u062f \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0645\u062d\u0644\u064a \u0639\u0644\u0649 \u0627\u0644\u0637\u0644\u0627\u0628 \u062f\u0641\u0639 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u060c \u0648\u0634\u0631\u0627\u0621 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629\u060c<\/strong> \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u062f\u0631\u0627\u0633\u064a\u0629 \u0628\u0633\u0647\u0648\u0644\u0629 \u0648\u062f\u0648\u0646 \u062a\u0639\u0642\u064a\u062f\u0627\u062a.<\/span><\/li>\n<li style=\"direction: rtl; text-align: right;\"><span style=\"font-weight: 400;\"><strong>\u062b\u0627\u0646\u064a\u0627\u064b\u060c \u062d\u0641\u0638 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u064a \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0645\u0646 \u062d\u0645\u0644 \u0627\u0644\u0646\u0642\u0648\u062f \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631<\/strong>\u060c \u0645\u0645\u0627 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u0631\u0642\u0629 \u0623\u0648 \u0627\u0644\u0641\u0642\u062f\u0627\u0646.<\/span><\/li>\n<li style=\"direction: rtl; text-align: right;\"><span style=\"font-weight: 400;\"><strong>\u062b\u0627\u0644\u062b\u0627\u064b\u060c \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0628\u0646\u0643\u064a \u0641\u064a \u062a\u062a\u0628\u0639 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0648\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/strong>\u060c \u0645\u0645\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u0637\u0644\u0627\u0628 \u0645\u0646 \u0648\u0636\u0639 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0641\u0639\u0627\u0644\u0629 \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u0644\u0645\u0633\u062a\u0642\u0628\u0644.<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-12342 size-full\" src=\"https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0637\u0627\u0644\u0628-\u064a\u0643\u0645\u0644-\u0625\u062c\u0631\u0627\u0621\u0627\u062a-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0641\u064a-\u0645\u0627\u0644\u064a\u0632\u064a\u0627.png\" alt=\"\u0637\u0627\u0644\u0628 \u064a\u0643\u0645\u0644 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\" width=\"559\" height=\"320\" srcset=\"https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0637\u0627\u0644\u0628-\u064a\u0643\u0645\u0644-\u0625\u062c\u0631\u0627\u0621\u0627\u062a-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0641\u064a-\u0645\u0627\u0644\u064a\u0632\u064a\u0627.png 559w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0637\u0627\u0644\u0628-\u064a\u0643\u0645\u0644-\u0625\u062c\u0631\u0627\u0621\u0627\u062a-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0641\u064a-\u0645\u0627\u0644\u064a\u0632\u064a\u0627-300x172.png 300w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0637\u0627\u0644\u0628-\u064a\u0643\u0645\u0644-\u0625\u062c\u0631\u0627\u0621\u0627\u062a-\u0641\u062a\u062d-\u062d\u0633\u0627\u0628-\u0628\u0646\u0643\u064a-\u0641\u064a-\u0645\u0627\u0644\u064a\u0632\u064a\u0627-400x229.png 400w\" sizes=\"(max-width: 559px) 100vw, 559px\" \/><\/p>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"-%d9%87%d9%84-%d9%8a%d9%85%d9%83%d9%86-%d9%84%d9%84%d8%b7%d8%a7%d9%84%d8%a8-%d8%a7%d9%84%d8%a3%d8%ac%d9%86%d8%a8%d9%8a-%d8%a3%d9%86-%d9%8a%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8%d8%a7-%d8%a8%d9%86%d9%83%d9%8a%d8%a7-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7%d8%9f-%d9%88%d9%85%d8%a7-%d9%87%d9%8a-%d8%a7%d9%84%d8%b4%d8%b1%d9%88%d8%b7-%d9%88%d8%a7%d9%84%d9%85%d8%b3%d8%aa%d9%86%d8%af%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b7%d9%84%d9%88%d8%a8%d8%a9%d8%9f\"><\/span><span style=\"font-weight: 400;\">\u00a0 \u0647\u0644 \u064a\u0645\u0643\u0646 \u0644\u0644\u0637\u0627\u0644\u0628 \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0623\u0646 \u064a\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627 \u0628\u0646\u0643\u064a\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u061f \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629\u061f<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0646\u0639\u0645\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0637\u0627\u0644\u0628 \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0623\u0646 \u064a\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u064b\u0627 \u0628\u0646\u0643\u064a\u064b\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u060c \u0648\u0644\u0643\u0646 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0647 \u0628\u0639\u0636 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0623\u0646 \u062a\u0644\u0628\u064a \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0648<\/span><span style=\"font-weight: 400;\">\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u064a \u062a\u0637\u0644\u0628\u0647\u0627 \u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u0634\u0645\u0644:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/iesco.my\/ar\/%d8%b4%d8%b1%d9%88%d8%b7-%d9%81%d9%8a%d8%b2%d8%a7-%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/\">\u062a\u0623\u0634\u064a\u0631\u0629 \u0637\u0627\u0644\u0628<\/a> \u0633\u0627\u0631\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062e\u0637\u0627\u0628 \u0642\u0628\u0648\u0644 \u0623\u0648 \u062a\u0633\u062c\u064a\u0644 \u0645\u0646 <a href=\"https:\/\/iesco.my\/ar\/%d8%ac%d8%a7%d9%85%d8%b9%d8%a7%d8%aa-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%b9%d8%aa%d9%85%d8%af%d8%a9-%d8%a8%d8%a7%d9%84%d8%b3%d8%b9%d9%88%d8%af%d9%8a%d8%a9\/\">\u062c\u0627\u0645\u0639\u0629 \u0645\u0639\u062a\u0631\u0641 \u0628\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0625\u062b\u0628\u0627\u062a \u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0633\u0643\u0646 \u0627\u0644\u0645\u062d\u0644\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0645\u0628\u0644\u063a \u0625\u064a\u062f\u0627\u0639 \u0623\u0648\u0644\u064a (\u0642\u062f \u064a\u062e\u062a\u0644\u0641 \u0645\u0646 \u0628\u0646\u0643 \u0644\u0622\u062e\u0631).<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-13038\" src=\"https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628.webp\" alt=\"\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0637\u0644\u0627\u0628 \u0644\u0644\u0623\u062c\u0627\u0646\u0628\" width=\"500\" height=\"500\" srcset=\"https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628.webp 500w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-300x300.webp 300w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-100x100.webp 100w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-150x150.webp 150w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-400x400.webp 400w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-160x160.webp 160w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a-\u0627\u0644\u0628\u0646\u0643\u064a\u0629-\u0627\u0644\u0645\u062a\u0627\u062d\u0629-\u0644\u0644\u0637\u0644\u0627\u0628-\u0644\u0644\u0623\u062c\u0627\u0646\u0628-120x120.webp 120w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d8%a3%d9%86%d9%88%d8%a7%d8%b9-%d8%a7%d9%84%d8%ad%d8%b3%d8%a7%d8%a8%d8%a7%d8%aa-%d8%a7%d9%84%d8%a8%d9%86%d9%83%d9%8a%d8%a9-%d8%a7%d9%84%d9%85%d8%aa%d8%a7%d8%ad%d8%a9-%d9%84%d9%84%d8%b7%d9%84%d8%a7%d8%a8-%d9%84%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8\"><\/span><span style=\"font-weight: 400;\">\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0637\u0644\u0627\u0628 \u0644\u0644\u0623\u062c\u0627\u0646\u0628<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0647\u0646\u0627\u0643 \u0639\u062f\u0629 \u0623\u0646\u0648\u0627\u0639 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0641\u062a\u062d\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u060c \u0648\u0623\u0628\u0631\u0632\u0647\u0627:<\/span><\/p>\n<h3 style=\"text-align: right;\">1. \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 (Savings Account):<\/h3>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0639\u062a\u0628\u0631 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 (\u0627\u0644\u0625\u064a\u062f\u0627\u0639) \u0627\u0644\u062e\u064a\u0627\u0631 \u0627\u0644\u0623\u0645\u062b\u0644 \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u063a\u0628\u0648\u0646 \u0641\u064a \u062d\u0641\u0638 \u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0628\u0637\u0631\u064a\u0642\u0629 \u0622\u0645\u0646\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0648\u0641\u0631 \u0647\u0630\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0645\u064a\u0632\u0627\u062a \u0623\u0633\u0627\u0633\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0648\u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a\u060c \u0648\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0648\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">2. \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u0627\u0631\u064a (Current Account):<\/h3>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0639\u0637\u064a \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u0627\u0631\u064a \u0644\u0644\u0639\u0645\u064a\u0644 \u0645\u064a\u0632\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u0645\u062b\u0644 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062f\u0641\u062a\u0631 \u0634\u064a\u0643\u0627\u062a\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0628\u0646\u0643\u064a\u0629 \u0645\u062a\u0642\u062f\u0645\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0645\u0646\u0627\u0633\u0628 \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u062d\u062a\u0627\u062c\u0648\u0646 \u0625\u0644\u0649 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0633\u0645\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u0627\u0631\u064a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062f\u0641\u062a\u0631 \u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0648\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0641\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0646 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">3. \u062d\u0633\u0627\u0628 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u062b\u0627\u0628\u062a (Fixed Deposit Account):<\/h3>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0633\u0627\u0639\u062f \u0647\u0630\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0641\u064a \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u0641\u062a\u0631\u0629 \u0645\u0639\u064a\u0646\u0629 \u0628\u0641\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0645\u0646\u0627\u0633\u0628 \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u063a\u0628\u0648\u0646 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0644\u0641\u062a\u0631\u0629 \u0637\u0648\u064a\u0644\u0629.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">4. \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (Islamic Accounts):<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u062a\u062a\u0628\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629 \u0648\u0647\u064a \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u062d\u064a\u062b \u064a\u0642\u0648\u0645 \u0637\u0631\u0641 \u0628\u062a\u0648\u0641\u064a\u0631 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 (\u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0627\u0644) \u0628\u064a\u0646\u0645\u0627 \u064a\u0642\u062f\u0645 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 (\u0627\u0644\u0645\u0636\u0627\u0631\u0628)\u00a0 \u062c\u0647\u062f\u0647 \u0648\u062e\u0628\u0631\u062a\u0647 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639. \u0648\u0645\u0646 \u0623\u0647\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 <a href=\"https:\/\/www.bankislam.com\/\" target=\"_blank\" rel=\"noopener\">\u0628\u0646\u0643 \u0625\u0633\u0644\u0627\u0645<\/a> \u0648\u0628\u0646\u0643 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u0628\u0646\u0643 \u0627\u0644\u0631\u0627\u062c\u062d\u064a.<\/span><\/p>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d8%ae%d8%b7%d9%88%d8%a7%d8%aa-%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%84%d9%84%d8%b7%d9%84%d8%a7%d8%a8-%d8%a7%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\"><\/span><span style=\"font-weight: 400;\">\u062e\u0637\u0648\u0627\u062a \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u062a\u0637\u0644\u0628 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0627\u062a\u0628\u0627\u0639 \u0628\u0639\u0636 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u0628\u0633\u064a\u0637\u0629. \u0633\u062a\u062c\u062f \u0647\u0646\u0627 \u062f\u0644\u064a\u0644\u064b\u0627 \u062a\u0641\u0635\u064a\u0644\u064a\u064b\u0627 \u064a\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629.<\/span><\/p>\n<h3 style=\"text-align: right;\">1. \u0627\u062e\u062a\u064a\u0627\u0631\u00a0\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0646\u0627\u0633\u0628<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0627\u062e\u062a\u0631 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0630\u064a \u064a\u0648\u0641\u0631 \u062e\u062f\u0645\u0627\u062a \u062a\u0646\u0627\u0633\u0628 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643 \u0643\u0637\u0627\u0644\u0628 \u0623\u062c\u0646\u0628\u064a. \u0648\u062a\u0623\u0643\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u0641\u0631\u0648\u0639 \u0648\u0623\u062c\u0647\u0632\u0629 \u0635\u0631\u0627\u0641 \u0622\u0644\u064a \u0642\u0631\u064a\u0628\u0629 \u0645\u0646 \u0645\u0643\u0627\u0646 \u0625\u0642\u0627\u0645\u062a\u0643. \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u062a\u0634\u0645\u0644:<\/span><\/p>\n<ul>\n<li style=\"text-align: right;\"><strong>Maybank:<\/strong> <span style=\"font-weight: 400;\">\u0623\u062d\u062f \u0623\u0643\u0628\u0631 \u0627\u0644\u0628\u0646\u0648\u0643 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u060c \u064a\u0648\u0641\u0631 \u062e\u062f\u0645\u0627\u062a \u0645\u062a\u0646\u0648\u0639\u0629 \u062a\u0634\u0645\u0644 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0627\u0631\u064a\u0629 \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645.<\/span><\/li>\n<li style=\"text-align: right;\"><strong>CIMB Bank:<\/strong> <span style=\"font-weight: 400;\">\u064a\u0648\u0641\u0631 \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u0645\u064a\u0632\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0627\u0631\u064a\u0629 \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/span><\/li>\n<li style=\"text-align: right;\"><strong>Public Bank<\/strong><b>: <\/b><span style=\"font-weight: 400;\">\u064a\u0642\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a.<\/span><\/li>\n<li style=\"text-align: right;\"><strong>RHB Bank:<\/strong> <span style=\"font-weight: 400;\">\u00a0\u064a\u0648\u0641\u0631 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">2. \u062a\u062c\u0647\u064a\u0632 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u062a\u0637\u0644\u0628 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0643\u0637\u0627\u0644\u0628 \u0623\u062c\u0646\u0628\u064a \u062a\u062c\u0647\u064a\u0632 \u0628\u0639\u0636 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629. \u062a\u0636\u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0648\u062a\u062c\u0646\u0628 \u0623\u064a \u062a\u0623\u062e\u064a\u0631. \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0642\u0633\u0645\u060c \u0646\u062a\u0646\u0627\u0648\u0644 \u0642\u0627\u0626\u0645\u0629 \u0645\u0641\u0635\u0644\u0629 \u0628\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0645\u0646 \u0645\u0639\u0638\u0645 \u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0648\u0634\u0631\u062d \u0623\u0647\u0645\u064a\u0629 \u0643\u0644 \u0645\u0633\u062a\u0646\u062f\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u0646\u0635\u0627\u0626\u062d \u0644\u062a\u062d\u0636\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0628\u0634\u0643\u0644 \u0635\u062d\u064a\u062d. \u0625\u0644\u064a\u0643 \u0642\u0627\u0626\u0645\u0629 \u0645\u0641\u0635\u0644\u0629 \u0628\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631<\/strong><span style=\"font-weight: 400;\">\u060c \u062d\u064a\u062b \u064a\u0639\u062a\u0628\u0631 \u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631 \u0647\u0648 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0647\u0648\u064a\u0629 \u0644\u0623\u064a \u0623\u062c\u0646\u0628\u064a\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631 \u0633\u0627\u0631\u064a\u064b\u0627 \u0648\u0635\u0627\u0644\u062d\u064b\u0627 \u0644\u0645\u062f\u0629 6 \u0623\u0634\u0647\u0631 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0628\u0639\u062f \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628.<\/span><\/li>\n<li aria-level=\"1\">\u00a0<strong>\u062a\u0642\u062f\u064a\u0645 \u0634\u0643\u0644\u064a\u0646 \u0645\u0646 \u0623\u0634\u0643\u0627\u0644 \u0627\u0644\u0647\u0648\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u062a\u0642\u062f\u0645<\/strong> \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 \u062c\u062f\u064a\u062f. \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u064a\u0644\u0627\u062f\u060c \u0623\u0648 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0623\u0648 \u0623\u064a \u0628\u0637\u0627\u0642\u0629 \u0647\u0648\u064a\u0629 \u0631\u0633\u0645\u064a\u0629 \u0623\u062e\u0631\u0649 \u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0645\u062b\u0644 \u0628\u0637\u0627\u0642\u0629 MyKad \u0623\u0648 \u0628\u0637\u0627\u0642\u0629 MyPR.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong><a href=\"https:\/\/iesco.my\/ar\/%d8%b4%d8%b1%d9%88%d8%b7-%d9%81%d9%8a%d8%b2%d8%a7-%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/\">\u062a\u0623\u0634\u064a\u0631\u0629 \u0637\u0627\u0644\u0628<\/a> \u0633\u0627\u0631\u064a\u0629<\/strong><b>\u060c <\/b>\u0644<span style=\"font-weight: 400;\">\u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0644\u0644\u0637\u0627\u0644\u0628 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u062e\u0637\u0627\u0628 \u0642\u0628\u0648\u0644 \u0623\u0648 \u062a\u0633\u062c\u064a\u0644 \u0645\u0646 \u0627\u0644\u062c\u0627\u0645\u0639\u0629<\/strong> <span style=\"font-weight: 400;\">\u064a\u062b\u0628\u062a \u0623\u0646\u0643 \u0637\u0627\u0644\u0628 \u0645\u0633\u062c\u0644 \u0641\u064a <a href=\"https:\/\/iesco.my\/ar\/%d8%ac%d8%a7%d9%85%d8%b9%d8%a7%d8%aa-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%b9%d8%aa%d9%85%d8%af%d8%a9-%d8%a8%d8%a7%d9%84%d8%b3%d8%b9%d9%88%d8%af%d9%8a%d8%a9\/\">\u062c\u0627\u0645\u0639\u0629 \u0645\u0639\u062a\u0631\u0641 \u0628\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u0625\u062b\u0628\u0627\u062a \u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0633\u0643\u0646 \u0627\u0644\u0645\u062d\u0644\u064a<\/strong><b>\u060c <\/b><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0639\u0642\u062f \u0625\u064a\u062c\u0627\u0631\u060c \u0623\u0648 \u0641\u0627\u062a\u0648\u0631\u0629 \u062e\u062f\u0645\u0627\u062a\u060c \u0623\u0648 \u0623\u064a \u0645\u0633\u062a\u0646\u062f \u0631\u0633\u0645\u064a \u064a\u0648\u0636\u062d \u0645\u0643\u0627\u0646 \u0625\u0642\u0627\u0645\u062a\u0643 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u0645\u0628\u0644\u063a \u0625\u064a\u062f\u0627\u0639 \u0623\u0648\u0644\u064a<\/strong><b>\u060c <\/b><span style=\"font-weight: 400;\">\u0648\u064a\u062e\u062a\u0644\u0641 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0645\u0646 \u0628\u0646\u0643 \u0644\u0622\u062e\u0631 \u0648\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0637\u0644\u0648\u0628\u064b\u0627 \u0644\u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">3. \u0632\u064a\u0627\u0631\u0629 \u0627\u0644\u0641\u0631\u0639 \u0627\u0644\u0628\u0646\u0643\u064a<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0628\u0639\u062f \u062a\u062c\u0647\u064a\u0632 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a\u060c \u062a\u0623\u062a\u064a \u062e\u0637\u0648\u0629 \u0632\u064a\u0627\u0631\u0629 \u0627\u0644\u0641\u0631\u0639 \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u062a\u0631\u062a\u064a\u0628\u0627\u062a:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u062a\u0635\u0644 \u0628\u0627\u0644\u0628\u0646\u0643 \u0644\u062a\u062d\u062f\u064a\u062f \u0645\u0648\u0639\u062f \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u0627\u0646\u062a\u0638\u0627\u0631 \u0627\u0644\u0637\u0648\u064a\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0648\u062c\u0647 \u0625\u0644\u0649 \u0623\u0642\u0631\u0628 \u0641\u0631\u0639 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0630\u064a \u0627\u062e\u062a\u0631\u062a\u0647.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0623\u0643\u062f \u0645\u0646 \u0625\u062d\u0636\u0627\u0631 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0645\u0631\u062a\u0628\u0629 \u0641\u064a \u0645\u0644\u0641 \u0644\u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">4. \u0645\u0644\u0621 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0639\u0646\u062f \u0627\u0644\u0648\u0635\u0648\u0644 \u0644\u0644\u0628\u0646\u0643 \u0627\u0630\u0647\u0628 \u0625\u0644\u0649 \u0622\u0644\u0629 \u0633\u062d\u0628 \u0648\u0631\u0642\u0629 \u062f\u0648\u0631\u0643 \u0641\u064a \u0637\u0627\u0628\u0648\u0631 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0646\u062a\u0638\u0631 \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646. \u0639\u0646\u062f \u0648\u0635\u0648\u0644\u0643 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u0648\u0638\u0641 \u0627\u0645\u0644\u0623 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0628\u062f\u0642\u0629. \u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u0645\u062a \u0628\u062a\u062c\u0647\u064a\u0632\u0647\u0627. \u062a\u0623\u0643\u062f \u0645\u0646 \u0645\u0631\u0627\u062c\u0639\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0645\u0639 \u0645\u0648\u0638\u0641 \u0627\u0644\u0628\u0646\u0643 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0635\u062d\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u0645\u0646 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0646\u0645\u0648\u0630\u062c \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628:<\/b><span style=\"font-weight: 400;\"> \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0630\u064a \u062a\u0631\u063a\u0628 \u0641\u064a \u0641\u062a\u062d\u0647.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0646\u0645\u0627\u0630\u062c \u0625\u0636\u0627\u0641\u064a\u0629: <\/b><span style=\"font-weight: 400;\">\u0642\u062f \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0623\u0645\u0631 \u0645\u0644\u0621 \u0646\u0645\u0627\u0630\u062c \u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0646\u0648\u0639 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">5. \u0627\u0633\u062a\u0644\u0627\u0645 \u0627\u0644\u0643\u0631\u064a\u062f\u064a\u062a \u0643\u0627\u0631\u062f<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0628\u0639\u062f \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0633\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0641\u064a \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0648\u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629. \u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0642\u0628\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627.<\/span><\/p>\n<h3 style=\"text-align: right;\">6. \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u062f\u0627\u062e\u0644 \u0641\u0631\u0639 \u0627\u0644\u0628\u0646\u0643\u060c \u0627\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0645\u0648\u0638\u0641 \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0648\u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062f\u062e\u0648\u0644\u0643 \u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0628\u0646\u0643. \u0643\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u062a\u0642\u062f\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062a\u0633\u0647\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0648\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u064a\u0633\u0627\u0639\u062f\u0643 \u0627\u0644\u0645\u0648\u0638\u0641 \u0639\u0644\u0649 \u062f\u062e\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0644\u0623\u0648\u0644 \u0645\u0631\u0629 \u0639\u0646\u062f \u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0643.<\/span><\/p>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d9%85%d9%84%d8%a7%d8%ad%d8%b8%d8%a7%d8%aa-%d9%87%d8%a7%d9%85%d8%a9\"><\/span>\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u0647\u0627\u0645\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0628\u0639\u062f \u0645\u0639\u0631\u0641\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0628\u0627\u0644\u062a\u0641\u0635\u064a\u0644\u060c \u0639\u0644\u064a\u0643 \u0627\u062a\u0628\u0627\u0639 \u0628\u0639\u0636 \u0627\u0644\u0646\u0635\u0627\u0626\u062d \u0644\u062a\u062d\u0636\u064a\u0631 \u0645\u0633\u062a\u0646\u062f\u0627\u062a\u0643 \u0628\u062f\u0642\u0629 \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0623\u0648 \u0627\u0644\u0646\u0633\u064a\u0627\u0646:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a<\/b><span style=\"font-weight: 400;\"> \u062e\u0627\u0635\u0629\u064b \u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631 \u0648\u0627\u0644\u062a\u0623\u0634\u064a\u0631\u0629\u060c \u0633\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0641\u0639\u0648\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u062c\u0639\u0644 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0645\u0631\u062a\u0628\u0629 \u0648\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u0645\u0644\u0641<\/b><span style=\"font-weight: 400;\"> \u0623\u0648 \u0645\u062c\u0644\u062f \u0644\u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u0639\u0646\u062f \u0627\u0644\u062d\u0627\u062c\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0635\u0646\u0639 \u0646\u0633\u062e\u064b\u0627 \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u0646 \u0643\u0644 \u0645\u0633\u062a\u0646\u062f<\/b><span style=\"font-weight: 400;\"> \u0648\u0627\u062d\u0641\u0638\u0647\u0627 \u0641\u064a \u0645\u0643\u0627\u0646 \u0622\u0645\u0646.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0639\u0646\u0648\u0627\u0646<\/b><span style=\"font-weight: 400;\"> \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0639\u0646\u0648\u0627\u0646\u0643 \u0627\u0644\u062d\u0627\u0644\u064a \u0628\u0634\u0643\u0644 \u062f\u0642\u064a\u0642 \u0648\u0645\u0641\u0635\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u062d\u0642\u0642 \u0645\u0646 \u0634\u0631\u0648\u0637 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0641\u064a \u0645\u0648\u0642\u0639 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a <\/b><span style=\"font-weight: 400;\">\u0623\u0648 \u0627\u062a\u0635\u0644 \u0628\u0627\u0644\u0628\u0646\u0643 \u0645\u0633\u0628\u0642\u064b\u0627 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0642\u062f \u062a\u0643\u0648\u0646 \u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0630\u064a \u0627\u062e\u062a\u0631\u062a\u0647.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062e\u0637\u0627\u0628 \u0642\u0628\u0648\u0644 \u0623\u0648 \u062a\u0633\u062c\u064a\u0644<\/b><span style=\"font-weight: 400;\">\u060c \u0627\u062a\u0635\u0644 \u0628\u0645\u0643\u062a\u0628 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u062c\u0627\u0645\u0639\u062a\u0643 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0641\u064a \u0648\u0642\u062a \u0645\u0628\u0643\u0631.<\/span><\/li>\n<li aria-level=\"1\"><strong>\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0623\u0635\u0644\u064a\u0629\u060c<\/strong> \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u0642\u0628\u0648\u0644 \u0627\u0644\u0646\u0633\u062e \u0627\u0644\u0645\u0635\u0648\u0631\u0629.<\/li>\n<li aria-level=\"1\">\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0623\u0633\u0645\u0627\u0621 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 <strong>\u0645\u0637\u0627\u0628\u0642\u0629 \u062a\u0645\u0627\u0645\u0627\u064b \u0644\u0645\u0627 \u0647\u0648 \u0645\u0643\u062a\u0648\u0628 \u0639\u0644\u0649 \u0648\u062b\u0627\u0626\u0642 \u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631\/<a href=\"https:\/\/iesco.my\/ar\/%d8%b4%d8%b1%d9%88%d8%b7-%d9%81%d9%8a%d8%b2%d8%a7-%d8%a7%d9%84%d8%af%d8%b1%d8%a7%d8%b3%d8%a9-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\/\">\u0627\u0644\u062a\u0623\u0634\u064a\u0631\u0629<\/a>.<\/strong><\/li>\n<li aria-level=\"1\">\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u064b \u0639\u0644\u0649 \u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u060c <strong>\u0642\u062f \u062a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0623\u064a\u0636\u0627\u064b \u0645\u062a\u0637\u0644\u0628\u0627\u062a <a href=\"https:\/\/iesco.my\/ar\/%D9%85%D8%B9%D8%A7%D9%87%D8%AF-%D8%A7%D9%84%D9%84%D8%BA%D8%A9-%D8%A7%D9%84%D8%A5%D9%86%D8%AC%D9%84%D9%8A%D8%B2%D9%8A%D8%A9-%D9%81%D9%8A-%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7\/\">\u0625\u062c\u0627\u062f\u0629 \u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629<\/a> \u0644\u0644\u0645\u062a\u0642\u062f\u0645\u064a\u0646<\/strong> \u0627\u0644\u0630\u064a\u0646 \u0644\u0627 \u064a\u062a\u0645\u062a\u0639\u0648\u0646 \u0628\u0645\u0647\u0627\u0631\u0627\u062a \u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0645\u0644\u0627\u064a\u0648\u064a\u0629.<\/li>\n<\/ul>\n<blockquote>\n<p style=\"text-align: right;\">\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u0633\u062a\u063a\u0631\u0642 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629 \u062d\u0648\u0627\u0644\u064a \u0623\u0633\u0628\u0648\u0639\u064a\u0646 \u0644\u063a\u064a\u0631 \u0627\u0644\u0637\u0644\u0627\u0628\u060c \u0641\u064a\u0645\u0627 \u062a\u0643\u0648\u0646 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0623\u0633\u0631\u0639 \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0648\u064a\u062e\u062a\u0644\u0641 \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0632\u0645\u0646\u064a \u062d\u0633\u0628 \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643\u0644 \u0628\u0646\u0643. \u0648\u0628\u0645\u062c\u0631\u062f \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0625\u062b\u0628\u0627\u062a\u0627\u062a \u0627\u0644\u0645\u064f\u0631\u0636\u064a\u0629 \u0648\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u064a\u0647\u0627\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a\u0647\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643\u0644 \u0633\u0647\u0648\u0644\u0629 \u0648\u064a\u0633\u0631.<\/p>\n<\/blockquote>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d8%aa%d8%ad%d8%af%d9%8a%d8%a7%d8%aa-%d9%82%d8%af-%d8%aa%d9%88%d8%a7%d8%ac%d9%87%d9%87%d8%a7-%d9%88%d9%83%d9%8a%d9%81-%d8%aa%d8%aa%d8%b5%d8%b1%d9%81\"><\/span><span style=\"font-weight: 400;\">\u062a\u062d\u062f\u064a\u0627\u062a \u0642\u062f \u062a\u0648\u0627\u062c\u0647\u0647\u0627 \u0648\u0643\u064a\u0641 \u062a\u062a\u0635\u0631\u0641<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0642\u062f \u064a\u0648\u0627\u062c\u0647 \u0627\u0644\u0637\u0627\u0644\u0628 \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0639\u0646\u062f \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0628\u0639\u0636 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a. \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0647\u0630\u0647 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0648\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062a\u0635\u0631\u0641 \u0644\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u064a\u0647:<\/span><\/p>\n<p style=\"text-align: right;\"><strong>1. \u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643<\/strong><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062e\u062a\u0644\u0641 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u0646 \u0628\u0646\u0643 \u0644\u0622\u062e\u0631\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0633\u0628\u0628 \u0627\u0631\u062a\u0628\u0627\u0643\u064b\u0627 \u0648\u062a\u0623\u062e\u064a\u0631\u064b\u0627 \u0641\u064a \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628. \u0644\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u0649 \u0630\u0644\u0643:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0643\u0644 \u0628\u0646\u0643 \u0639\u0628\u0631 \u0645\u0648\u0642\u0639\u0647 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0628\u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062c\u0647\u0632 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0645\u0643\u0646\u0629 \u0645\u0633\u0628\u0642\u064b\u0627 \u0648\u062a\u0623\u0643\u062f \u0645\u0646 \u0635\u0644\u0627\u062d\u064a\u062a\u0647\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u062a\u0635\u0644 \u0628\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641 \u0648\u0627\u0633\u0623\u0644 \u0639\u0646 \u0623\u064a \u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u0637\u0644\u0648\u0628\u0629.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><strong>2. \u0627\u0644\u0644\u063a\u0629 \u0648\u0627\u0644\u062d\u0648\u0627\u062c\u0632 \u0627\u0644\u062b\u0642\u0627\u0641\u064a\u0629<\/strong><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0642\u062f \u064a\u0648\u0627\u062c\u0647 \u0627\u0644\u0637\u0644\u0627\u0628 \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639 \u0645\u0648\u0638\u0641\u064a \u0627\u0644\u0628\u0646\u0643 \u0628\u0633\u0628\u0628 \u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0644\u063a\u0629 \u0648\u0627\u0644\u062b\u0642\u0627\u0641\u0627\u062a. \u0648\u0644\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u0642\u0645 \u0628\u0627\u0644\u0622\u062a\u064a:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u0635\u0637\u062d\u0628 \u0645\u0639\u0643 \u0635\u062f\u064a\u0642\u064b\u0627 \u064a\u062c\u064a\u062f \u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062d\u0627\u0648\u0644 \u062a\u0639\u0644\u0645 \u0628\u0639\u0636 \u0627\u0644\u0639\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u064a\u0629.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><strong>3. \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0641\u064a \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0642\u062f \u062a\u062a\u0623\u062e\u0631 \u0628\u0639\u0636 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0645\u062b\u0644 \u062e\u0637\u0627\u0628 \u0627\u0644\u0642\u0628\u0648\u0644 \u0645\u0646 \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0623\u0648 \u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0633\u0643\u0646 \u0641\u064a \u0627\u0644\u0625\u0635\u062f\u0627\u0631. \u0644\u062d\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u0642\u0645 \u0628\u0627\u0644\u0622\u062a\u064a:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0642\u062f\u0645 \u0637\u0644\u0628\u0627\u062a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0641\u064a \u0648\u0642\u062a \u0645\u0628\u0643\u0631 \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u062a\u0623\u062e\u064a\u0631.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u062a\u0648\u0627\u0635\u0644 \u0645\u0633\u062a\u0645\u0631 \u0645\u0639 \u0645\u0643\u062a\u0628 \u0627\u0644\u0642\u0628\u0648\u0644 \u0623\u0648 \u0627\u0644\u0633\u0643\u0646 \u0641\u064a \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0644\u0636\u0645\u0627\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0639\u0645\u0644\u064a\u0629.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><strong>4. \u0645\u0634\u0627\u0643\u0644 \u0641\u064a \u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0639\u0646\u0648\u0627\u0646<\/strong><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u00a0\u0642\u062f \u062a\u0637\u0644\u0628 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0625\u062b\u0628\u0627\u062a \u0639\u0646\u0648\u0627\u0646 \u0645\u062d\u062f\u062f \u0645\u062b\u0644 \u0641\u0627\u062a\u0648\u0631\u0629 \u062e\u062f\u0645\u0627\u062a\u060c \u0648\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0641\u0648\u0631 \u0627\u0644\u0648\u0635\u0648\u0644. \u0644\u062d\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0636\u0644\u0629:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u0633\u0623\u0644 \u0627\u0644\u0628\u0646\u0643 \u0639\u0646 \u0628\u062f\u0627\u0626\u0644 \u0645\u0642\u0628\u0648\u0644\u0629 \u0644\u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0639\u0646\u0648\u0627\u0646\u060c \u0645\u062b\u0644 \u062e\u0637\u0627\u0628 \u0645\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0642\u0627\u0631 \u0623\u0648 \u0639\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u062a\u0635\u0644 \u0628\u0627\u0644\u0628\u0646\u0643 \u0645\u0633\u0628\u0642\u064b\u0627 \u0648\u0627\u0633\u0623\u0644 \u0639\u0646 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0644\u0645\u0627 \u064a\u0642\u0628\u0644\u0648\u0646\u0647 \u0643\u0625\u062b\u0628\u0627\u062a \u0639\u0646\u0648\u0627\u0646.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><strong>5. \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0641\u064a \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628<\/strong><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0642\u062f \u062a\u0648\u0627\u062c\u0647 \u062a\u0623\u062e\u064a\u0631\u064b\u0627 \u0641\u064a \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0628\u0633\u0628\u0628 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0628\u0646\u0643. \u0648\u0644\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0643\u0646 \u0635\u0628\u0648\u0631\u064b\u0627 \u0648\u0627\u0641\u0647\u0645 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0642\u062f \u062a\u0623\u062e\u0630 \u0648\u0642\u062a\u064b\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u062a\u0635\u0644 \u0628\u0627\u0644\u0628\u0646\u0643 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0644\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631 \u0639\u0646 \u062d\u0627\u0644\u0629 \u0637\u0644\u0628\u0643 \u0648\u0644\u062a\u0623\u0643\u064a\u062f \u0623\u0646\u0643 \u0642\u062f\u0645\u062a \u0643\u0644 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629.<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12344 size-full\" src=\"https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration.png\" alt=\"a student uses his online banking app illustration\" width=\"349\" height=\"347\" srcset=\"https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration.png 349w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration-100x100.png 100w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration-300x298.png 300w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration-150x150.png 150w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration-160x160.png 160w, https:\/\/iesco.my\/wp-content\/uploads\/2024\/07\/a-student-uses-his-online-banking-app-illustration-120x120.png 120w\" sizes=\"(max-width: 349px) 100vw, 349px\" \/><\/p>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d8%a3%d9%81%d8%b6%d9%84-%d8%a8%d9%86%d9%88%d9%83-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%84%d9%84%d8%a3%d8%ac%d8%a7%d9%86%d8%a8-%d9%88%d8%a7%d9%84%d8%b7%d9%84%d8%a7%d8%a8-%d8%a7%d9%84%d8%af%d9%88%d9%84%d9%8a%d9%8a%d9%86\"><\/span><span style=\"font-weight: 400;\">\u0623\u0641\u0636\u0644 \u0628\u0646\u0648\u0643 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u0648\u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u062f\u0648\u0644\u064a\u064a\u0646<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u0639\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0628\u0646\u0643 \u062f\u0627\u062e\u0644 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u062e\u0637\u0648\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0628\u0646\u0643 \u064a\u0644\u0628\u064a \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643 \u0648\u064a\u0646\u0627\u0633\u0628 \u0645\u0643\u0627\u0646 \u062c\u0627\u0645\u0639\u062a\u0643. \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0634\u0647\u064a\u0631\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0645\u0639 \u062a\u0648\u0636\u064a\u062d \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0648\u0627\u0644\u0639\u064a\u0648\u0628 \u0644\u0643\u0644 \u0628\u0646\u0643\u060c \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0644\u0644\u0623\u062c\u0627\u0646\u0628.<\/span><\/p>\n<h3 style=\"text-align: right;\">1. Maybank \u0645\u0627\u064a \u0628\u0627\u0646\u0643<\/h3>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0645\u0632\u0627\u064a\u0627:<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0645\u062a\u0644\u0643 Maybank \u0634\u0628\u0643\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0641\u0631\u0648\u0639 \u0648\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0645\u0627\u0644\u064a\u0632\u064a\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0642\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0648\u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0648\u0641\u0631 Maybank \u062d\u0633\u0627\u0628\u0627\u062a \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u0628\u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0625\u062b\u0628\u0627\u062a \u0639\u0646\u0648\u0627\u0646 \u0645\u062d\u0644\u064a \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0639\u064a\u0648\u0628: <\/b><span style=\"font-weight: 400;\">\u0628\u0639\u0636 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0642\u062f \u062a\u062a\u0637\u0644\u0628 \u0631\u0633\u0648\u0645 \u0625\u062f\u0627\u0631\u064a\u0629 \u0623\u0639\u0644\u0649 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649.<\/span><\/p>\n<h3 style=\"text-align: right;\">2. CIMB Bank \u0633\u064a \u0627\u064a \u0627\u0645 \u0628\u064a \u0628\u0627\u0646\u0643<\/h3>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0645\u0632\u0627\u064a\u0627:<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0642\u062f\u0645 CIMB \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u062a\u0642\u062f\u0645\u0629 \u062a\u0634\u0645\u0644 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0648\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u062f\u0648\u0644\u064a\u0629 \u0633\u0647\u0644\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0648\u062c\u062f \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0641\u0631\u0648\u0639 \u0648\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0641\u064a \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0642\u062f\u0645 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u062a\u0634\u0645\u0644 \u0645\u064a\u0632\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0639\u064a\u0648\u0628:<\/b><span style=\"font-weight: 400;\"> \u0642\u062f \u062a\u0643\u0648\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0623\u0643\u062b\u0631 \u062a\u0639\u0642\u064a\u062f\u064b\u0627 \u0648\u062a\u062a\u0637\u0644\u0628 \u0648\u0642\u062a\u064b\u0627 \u0623\u0637\u0648\u0644.<\/span><\/p>\n<h3 style=\"text-align: right;\">3. Public Bank<\/h3>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0645\u0632\u0627\u064a\u0627:<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0639\u062a\u0628\u0631 Public Bank \u0645\u0646 \u0623\u0643\u062b\u0631 \u0627\u0644\u0628\u0646\u0648\u0643 \u062b\u0642\u0629 \u0648\u0623\u0645\u0627\u0646\u064b\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0648\u0641\u0631 \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0633\u0647\u0644 \u0639\u0645\u0644\u064a\u0629 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u0648\u064a\u0642\u062f\u0645 \u062f\u0639\u0645\u064b\u0627 \u062c\u064a\u062f\u064b\u0627 \u0644\u0644\u0639\u0645\u0644\u0627\u0621.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0639\u064a\u0648\u0628: <\/b><span style=\"font-weight: 400;\">\u0642\u062f \u064a\u0643\u0648\u0646 \u0623\u0642\u0644 \u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0623\u062e\u0631\u0649.<\/span><\/p>\n<h3 style=\"text-align: right;\">4. RHB Bank<\/h3>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0645\u0632\u0627\u064a\u0627:<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0642\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0648\u0641\u0631 \u0628\u0631\u0627\u0645\u062c \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0637\u0644\u0627\u0628 \u0648\u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0645\u0639 \u0645\u0632\u0627\u064a\u0627 \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628\u064a\u0629.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>\u0627\u0644\u0639\u064a\u0648\u0628<\/b><span style=\"font-weight: 400;\">: \u064a\u0645\u062a\u0644\u0643 \u0639\u062f\u062f \u0641\u0631\u0648\u0639 \u0623\u0642\u0644 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649 \u0645\u062b\u0644 Maybank\u0648 CIMB.<\/span><\/p>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d9%84%d9%85%d8%ad%d8%a9-%d8%b9%d9%86-%d9%85%d8%b5%d8%a7%d8%b1%d9%8a%d9%81-%d9%88%d8%b1%d8%b3%d9%88%d9%85-%d8%a7%d9%84%d8%a8%d9%86%d9%88%d9%83-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a9\"><\/span><span style=\"font-weight: 400;\">\u0644\u0645\u062d\u0629 \u0639\u0646 \u0645\u0635\u0627\u0631\u064a\u0641 \u0648\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u062a\u0637\u0644\u0628 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u0647\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647. \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0646\u0638\u0631\u0629 \u0639\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0645\u0639\u0638\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u064a\u0633 \u0644\u062f\u064a\u0647\u0627 \u0631\u0633\u0648\u0645 \u0641\u062a\u062d \u062d\u0633\u0627\u0628\u060c \u0644\u0643\u0646 \u062a\u062a\u0637\u0644\u0628 \u0625\u064a\u062f\u0627\u0639 \u0645\u0628\u062f\u0626\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u0635\u064a\u0627\u0646\u0629 \u0634\u0647\u0631\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0631\u0635\u064a\u062f \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0642\u0644 \u0645\u0646 \u062d\u062f \u0645\u0639\u064a\u0646.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649\u060c \u0648\u062a\u0643\u0648\u0646 \u0647\u0630\u0647 \u0627\u0644\u0631\u0633\u0648\u0645 \u0623\u0639\u0644\u0649 \u0639\u0646\u062f \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0641\u0631\u0636 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0631\u0633\u0648\u0645\u0627 \u0639\u0644\u0649 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u062a\u062e\u062a\u0644\u0641 \u0647\u0630\u0647 \u0627\u0644\u0631\u0633\u0648\u0645 \u062d\u0633\u0628 \u0627\u0644\u0645\u0628\u0644\u063a \u0648\u0627\u0644\u0648\u062c\u0647\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0642\u062f \u062a\u0641\u0631\u0636 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0631\u0633\u0648\u0645\u0627 \u0633\u0646\u0648\u064a\u0629 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645 \u0648\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0631\u0645\u0632\u064a\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628 \u0643\u0634\u0648\u0641 \u062d\u0633\u0627\u0628 \u0625\u0636\u0627\u0641\u064a\u0629 \u0623\u0648 \u0637\u0644\u0628 \u0646\u0633\u062e \u0648\u0631\u0642\u064a\u0629 \u0645\u0646\u0647\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0641\u0631\u0636 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0631\u0633\u0648\u0645\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0645 \u062a\u0633\u062a\u062e\u062f\u0645 \u0644\u0641\u062a\u0631\u0629 \u0637\u0648\u064a\u0644\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u0634\u064a\u0643\u0627\u062a\u060c \u0625\u0635\u062f\u0627\u0631 \u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u0634\u064a\u0643\u0627\u062a\u060c \u0648\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0646\u0635\u0627\u0626\u062d \u0644\u062a\u062c\u0646\u0628 \u0623\u0648 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/span><\/h3>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u062e\u062a\u0631 \u062d\u0633\u0627\u0628\u064b\u0627 \u064a\u0646\u0627\u0633\u0628 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647 \u0642\u0628\u0644 \u0641\u062a\u062d\u0647.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u062c\u0646\u0628 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0644\u0644\u0631\u0635\u064a\u062f.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u0633\u062a\u062e\u062f\u0645 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0644\u062a\u062c\u0646\u0628 \u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u062d\u0628.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0627\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0625\u062f\u0627\u0631\u0629 \u062d\u0633\u0627\u0628\u0643 \u0644\u062a\u062c\u0646\u0628 \u0628\u0639\u0636 \u0627\u0644\u0631\u0633\u0648\u0645.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0627\u062c\u0639 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628 \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0631\u0633\u0648\u0645 \u063a\u064a\u0631 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u060c \u0646\u0642\u062f\u0645 \u0644\u0643 \u0645\u0642\u0627\u0631\u0646\u0629 \u0647\u064a\u0643\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629:<\/span><\/p>\n<h3 style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0645\u0642\u0627\u0631\u0646\u0629 \u062a\u0648\u0636\u062d \u0647\u064a\u0643\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629<\/span><\/h3>\n<p style=\"text-align: right;\"><b>1. \u0645\u0627\u064a \u0628\u0646\u0643 (Maybank):\u00a0<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0631\u0633\u0648\u0645 \u0635\u064a\u0627\u0646\u0629 \u0634\u0647\u0631\u064a\u0629<\/b><span style=\"font-weight: 400;\">\u060c \u0648\u0647\u064a \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u0641\u0631\u0636\u0647\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u062d\u0633\u0627\u0628\u0643 \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u0644\u0628\u0646\u0643 \u0648\u062a\u062a\u0631\u0627\u0648\u062d \u0645\u0646 8 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a \u0625\u0644\u0649 12 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a \u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u0641\u0631\u0627\u062f.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a<\/b><span style=\"font-weight: 400;\"> \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649 1 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062f\u0648\u0644\u064a<\/b><span style=\"font-weight: 400;\">\u060c \u0648\u062a\u0628\u062f\u0623 \u0645\u0646 10 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>2. \u0628\u0627\u0628\u0644\u064a\u0643 \u0628\u0646\u0643 (Public Bank):<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0635\u064a\u0627\u0646\u0629 \u0634\u0647\u0631\u064a\u0629 \u062a\u0628\u0644\u063a 10 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649 \u062a\u0639\u0627\u062f\u0644 1 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062f\u0648\u0644\u064a\u060c \u0648\u062a\u0628\u062f\u0623 \u0645\u0646 15 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>3. \u0628\u0646\u0643 \u0633\u064a \u0622\u064a \u0625\u0645 \u0628\u064a (CIMB):\u00a0<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0635\u064a\u0627\u0646\u0629 \u0634\u0647\u0631\u064a\u0629 \u062a\u0628\u0644\u063a 10 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649 \u062a\u0639\u0627\u062f\u0644 1 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062f\u0648\u0644\u064a\u060c \u0648\u062a\u0628\u062f\u0623 \u0645\u0646 12 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: right;\"><b>4. \u0628\u0646\u0643 \u0622\u0631 \u0625\u062a\u0634 \u0628\u064a (RHB):<\/b><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0635\u064a\u0627\u0646\u0629 \u0634\u0647\u0631\u064a\u0629 \u062a\u0628\u0644\u063a 8 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649 \u062a\u0639\u0627\u062f\u0644 1 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062f\u0648\u0644\u064a\u060c \u0648\u062a\u0628\u062f\u0623 \u0645\u0646 15 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a\u0627.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d9%85%d8%ad%d8%a7%d9%81%d8%b8-%d8%a5%d9%84%d9%83%d8%aa%d8%b1%d9%88%d9%86%d9%8a%d8%a9-%d9%85%d9%85%d9%8a%d8%b2%d8%a9-%d9%8a%d9%85%d9%83%d9%86%d9%83-%d8%aa%d8%ac%d8%b1%d8%a8%d8%aa%d9%87%d8%a7-%d9%81%d9%8a-%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7\"><\/span><span style=\"font-weight: 400;\">\u0645\u062d\u0627\u0641\u0638 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0645\u064a\u0632\u0629 \u064a\u0645\u0643\u0646\u0643 \u062a\u062c\u0631\u0628\u062a\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u062f\u0627\u0629 \u0634\u0627\u0626\u0639\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u062d\u064a\u062b \u064a\u0645\u0643\u0646 \u0634\u062d\u0646\u0647\u0627 \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u0645\u0648\u0627\u0635\u0644\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u0633\u0648\u0642\u060c \u0648\u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645. \u062a\u0648\u0641\u0631 \u0647\u0630\u0647 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0631\u0627\u062d\u0629 \u0648\u0633\u0631\u0639\u0629 \u0641\u064a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629. \u0625\u0644\u064a\u0643 \u0628\u0639\u0636 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u062a\u062c\u0631\u0628\u062a\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627:<\/span><\/p>\n<h3 style=\"text-align: right;\">1. Boost<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0634\u0647\u0631 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627. \u062a\u0648\u0641\u0631 Boost \u062a\u062c\u0631\u0628\u0629 \u062f\u0641\u0639 \u0631\u0642\u0645\u064a\u0629 \u0633\u0644\u0633\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0648\u0645\u0646 \u0645\u0645\u064a\u0632\u0627\u062a\u0647\u0627:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0634\u062d\u0646 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0628\u0633\u0647\u0648\u0644\u0629 \u0639\u0628\u0631 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0642\u062f\u0645 \u0645\u062d\u0641\u0638\u0629 Boost \u0639\u0631\u0648\u0636\u064b\u0627 \u0648\u062e\u0635\u0648\u0645\u0627\u062a \u062d\u0635\u0631\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0631\u0645\u0648\u0632 QR \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0648\u0627\u0644\u0645\u0637\u0627\u0639\u0645.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">2. GrabPay<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0645\u062d\u0641\u0638\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u062a\u0627\u0628\u0639\u0629 \u0644\u0634\u0631\u0643\u0629 Grab\u060c \u0648\u0647\u064a \u0634\u0631\u0643\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u062a\u0634\u0645\u0644 \u0627\u0644\u0646\u0642\u0644 \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0644\u060c \u0648\u0623\u0647\u0645 \u0645\u0627 \u062a\u062a\u0645\u064a\u0632 \u0628\u0647:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 GrabPay \u0644\u062f\u0641\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0646\u0642\u0644\u060c \u062a\u0648\u0635\u064a\u0644 \u0627\u0644\u0637\u0639\u0627\u0645\u060c \u0648\u0627\u0644\u0628\u0642\u0627\u0644\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u0622\u062a \u064a\u062a\u064a\u062d \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0643\u0633\u0628 \u0646\u0642\u0627\u0637 \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0639\u0631\u0648\u0636 \u062e\u0627\u0635\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u062f\u0639\u0645 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0631\u0645\u0648\u0632 QR \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0645\u062a\u0627\u062c\u0631.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">3. Touch &#8216;n Go eWallet<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0645\u062d\u0641\u0638\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0634\u0647\u064a\u0631\u0629 \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0628\u0634\u0643\u0644 \u0648\u0627\u0633\u0639 \u0641\u064a \u0646\u0638\u0627\u0645 \u0627\u0644\u0646\u0642\u0644 \u0648\u0627\u0644\u0645\u0648\u0627\u0635\u0644\u0627\u062a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u060c \u0648\u062a\u062a\u0645\u064a\u0632 \u0628\u0627\u0644\u0622\u062a\u064a:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0644\u0644\u062f\u0641\u0639 \u0641\u064a \u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0646\u0642\u0644 \u0627\u0644\u0639\u0627\u0645 \u0648\u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0633\u0631\u064a\u0639\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u062f\u0639\u0645 \u0627\u0644\u0634\u0631\u0627\u0621 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0648\u0641\u0631 \u0639\u0631\u0648\u0636 \u0648\u062e\u0635\u0648\u0645\u0627\u062a \u062e\u0627\u0635\u0629 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: right;\">4. MAE by Maybank<\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0645\u062d\u0641\u0638\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u062f\u0645\u062c\u0629 \u0645\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0645\u0635\u0631\u0641 \u0645\u0627\u064a \u0628\u0646\u0643\u060c \u0648\u0644\u0647\u0627 \u0628\u0639\u0636 \u0627\u0644\u0645\u0645\u064a\u0632\u0627\u062a \u0645\u0646\u0647\u0627:<\/span><\/p>\n<ul style=\"text-align: right;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u062a\u0648\u0641\u0631 \u0623\u062f\u0648\u0627\u062a \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u062a\u062a\u0628\u0639 \u0627\u0644\u0625\u0646\u0641\u0627\u0642.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0\u062a\u0633\u0647\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0\u00a0\u064a\u062f\u0639\u0645 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0631\u0645\u0648\u0632 QR \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: right;\"><span class=\"ez-toc-section\" id=\"%d8%a5%d8%ac%d8%a7%d8%a8%d8%a9-%d8%a7%d9%84%d8%a3%d8%b3%d8%a6%d9%84%d8%a9-%d8%a7%d9%84%d8%b4%d8%a7%d8%a6%d8%b9%d8%a9\"><\/span><span style=\"font-weight: 400;\">\u0625\u062c\u0627\u0628\u0629 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u00a0\u0646\u0642\u062f\u0645 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0642\u0633\u0645 \u0625\u062c\u0627\u0628\u0627\u062a \u0639\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0641\u0647\u0645 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0648\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0648\u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643.<\/span><\/p>\n<h3 style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0647\u0644 \u064a\u0645\u0643\u0646\u0646\u064a \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0642\u0628\u0644 \u0648\u0635\u0648\u0644\u064a \u0625\u0644\u0649 \u0627\u0644\u0628\u0644\u0627\u062f\u061f<\/span><\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0646\u0639\u0645\u060c \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0642\u0628\u0644 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0627\u0644\u0628\u0644\u0627\u062f\u060c \u0648\u0644\u0643\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0629 \u062a\u064f\u0642\u062f\u0645 \u0639\u0627\u062f\u0629\u064b \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u0644\u0647\u0627 \u0648\u062c\u0648\u062f \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627. \u0642\u062f 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\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062e\u062a\u0644\u0641 \u062d\u0633\u0628 \u0627\u0644\u0628\u0646\u0643 \u0648\u0646\u0648\u0639 \u0627\u0644\u062d\u0633\u0627\u0628. \u062a\u0641\u0631\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u062d\u062f\u0648\u062f\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0648\u064a\u0644\u0647 \u0641\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u0648\u0627\u062d\u062f\u0629 \u0623\u0648 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0642\u062f \u064a\u0641\u0631\u0636 \u0627\u0644\u0628\u0646\u0643 \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062a\u0641\u0627\u0648\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0635\u0631\u0641 \u0627\u0644\u0645\u0637\u0628\u0642\u0629. \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062d\u0633\u0646 \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0644\u0641\u0647\u0645 \u0647\u0630\u0647 \u0627\u0644\u0642\u064a\u0648\u062f \u0648\u0623\u064a \u062a\u0643\u0627\u0644\u064a\u0641 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647\u0627.<\/span><\/p>\n<h3 style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u0647\u0644 \u064a\u0645\u0643\u0646\u0646\u064a \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0643\u0637\u0627\u0644\u0628 \u062f\u0648\u0644\u064a\u061f<\/span><\/h3>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0643\u0637\u0627\u0644\u0628 \u062f\u0648\u0644\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0623\u0645\u0631\u064b\u0627 \u0635\u0639\u0628\u064b\u0627\u060c \u0644\u0643\u0646\u0647 \u0644\u064a\u0633 \u0645\u0633\u062a\u062d\u064a\u0644\u064b\u0627. \u062a\u0639\u062a\u0645\u062f \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u063a\u0627\u0644\u0628\u064b\u0627 \u0639\u0644\u0649 \u0646\u0648\u0639 \u062a\u0623\u0634\u064a\u0631\u062a\u0643\u060c \u0648\u0645\u0633\u062a\u0648\u0649 \u062f\u062e\u0644\u0643\u060c \u0648\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0636\u0627\u0645\u0646 \u0645\u062d\u0644\u064a \u0623\u0648 \u0645\u0642\u062f\u0645. \u0642\u062f \u062a\u062a\u0637\u0644\u0628 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