KUALA LUMPUR: Finally the cat is out of the bag, Jho Low and his manipulation of Datuk Seri Najib Razak’s private banking and credit card accounts.

The name Jho Low, or Low Taek Jho, featured prominently at the trial of the former prime minister at the Kuala Lumpur High Court today, Monday, July 22, 2019.

The intelligence of Najib’s defence team led by Tan Sri Muhammad Shafee Abdullah was dazzling at the courtroom that even stunned the prosecution team led by hired advocate Datuk V. Sithambaram.

Shafee’s team produced a transcript of BBM conversation between Jho Low and 48-year-old Joanna Yu Ging Ping, the executive vice-president of Ambank’s wholesale banking coverage or in other word, relationship manager.

The transcript was not part of the digital evidences that the prosecution had produced to the court.

But apparently the transcript was BBM messages extracted from Joanna Yu’s Blackberry device confiscated by Bank Negara Malaysia (BNM).

The prosecution’s 54th witness of the trial, Joanna Yu was the person fully in-charge of managing Najib’s private and credit accounts in Ambank.

The transcript dated March 22, 2013 revealed that Jho Low has instructed Ambank vis-a-vis Joanna Yu not to ever to inform or forward any information, especially bank statements, to Najib or the Prime Minister’s Office (PMO) about the former premier’s accounts in Ambank.

When pressed about this during the cross-examination, Joanna Yu admitted before Judge Mohd Nazlan Mohd Ghazali that the transcript was authentic.

She also concurred with the defence suggestion that she had duly followed Jho Low’s instructions.

According to the transcript, Joanna Yu has told Jho Low that Najib’s private secretary Hafiz had called Ambank to enquire about former SRC International chief executive officer (CEO) Nik Faisal Ariff Kamil.

She informed Jho Low that Hafiz has called the Ambank call centre after the PMO had received Najib’s card annual statements from Ambank with Nik Faisal name on it.

“Dato Seri (Najib) advised him (Hafiz) to check with the bank since he did not recognise who’s Nik. So that’s why Hafiz called to confirm,” Joanna Yu told Jho Low.

To this Jho Low replied: “Shoot. Only u need to handle it. Very dangerous. Please do not send anything from that account anywhere in future. Esp MNR (Najib) info. Please speak to Mr Cheah (Tek Kuang) n senior management n ensure no one has access or can take any snap shots of that A/C”.

“…No more contacts with PMO pls.”

Joanna Yu has agreed to follow Jho Low’s instruction to keep Najib and PMO in the dark on the goings-on of the accounts.

The transcript was actually part of the digital evidences extracted from a Blackberry belonging to Joanna Yu that was seized by investigators during a BNM raid on Ambank branch in Jalan Raja Chulan on July 6, 2015.

The prosecution apparently has concealed this transcript from the knowledge of the court and defence.

Joanna Yu also concurred with the defence’s suggestion that she had successfully facilitated requests from former Ambank managing director Cheah to get several latest hand-phones from Jho Low as gifts.

Among these cellular phone gifts, confessed Joanna Yu, were two units of Iphone 5s which were to be presented by Cheah to “someone” in BNM.

Najib currently faces seven corruption charges pertaining to SRC International funds.

The charges were 3 each for CBT under Section 409 of the Penal Code and money laundering under Section 4 of the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities (AMLA) Act 2001, and 1 for abuse of power under Section 23 of the Malaysian Anti-Corruption Act (MACC) 2009.

The Pekan MP was charged with committing the offences at AmIslamic Bank Bhd in Jalan Raja Chulan and the Prime Minister’s Office in Putrajaya between Aug 17, 2011, and Feb 10, 2015. – NTHQiBord, 22 Julai 2019.


    • Hahaha… Prosecution Hid Evidence?? Think back smarter. Who hide firstly? What had happened in 2013-2016 where public unknown. Is a long long story rite? Why no authorities like MACC, PDRM, AG, BNM take any actions against Jho Low & gangs, Nik Faisal, Najib & gangs, Ambank, SRC, 1MDB that time? Why the news not exploded that time? Who rules the country tat time? Was we in democracy during 2013-2017?? If GE14 public did not win, i think we still put in ‘sleep doses’. After those puppetmaster thieves group had run away left the country only now we scratch head look for them.

      • Apa punya English, tulis dalam Bahasa Malaysia sudahlah..pengsan Cikgu TESL baca.. “Wan we in democracy..”


  1. I will not be surprised if Jho Low, Joanna Yu and Cheah all were paid by DAP to carried out the conspiracy to bring Najib down…

  2. Zeti Akhtar Aziz keep quiet…former Bank Negara Gavernor…maybe this transcritps goven to Madey…All joint cooperate to Bring Down DSNR

    • I think now only we see some icebergs on surface and 1m deep water only. Deeper parts is still unreveal. I believe the accused still involved in SRC money laundering. Why he spent millions like few hundreds after he knew who’s behind incharge his Ambank accounts without reporting for investigation. He is ex-PM, he can instruct anythings right?

  3. With so big the agenda..the banker were given petty carrots like iPhone ONLY? Too good the bankers!!

  4. Cant believed this kind of conspiracy exist in Malaysia Politic, bad impact to our beloved Malaysia, ruins the system, community and trust…lets bring back prevoius government, enough to this crazy government of the day or rakyat will suffer along age…think wisely peep

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