Malaysia Building Society Bhd (MBSB) expects sales from personal financing products to reach RM9 billion this year and total loan growth of over 20 per cent despite Bank Negara Malaysia\'s Guidelines on Responsible Financing. MBSB has introduced a new business segment last week, hire purchase financing, which focused on high-end vehicle segment. MBSB chief executive officer, Datuk Ahmad Zaini Othman, said the company has observed the guidelines, and there was nothing new. \"We will not have any problems adhering to them. \"Although we are not compelled to follow them, we would still follow the spirit of the guidelines,\" he told a media briefing after the ceremony to sign the agreement with LBS Bina Group Bhd for RM124.6 million loan here Thursday.