Zainal Aznam bin Mohammed Yusof

Part of HSBC Holdings Plc, HSBC Bank Malaysia Bhd. is a banking and financial investment services company based in Kuala Lumpur, Malaysia. The Malaysian company offers high financing up to RM250,000 and repayment from as low as RM109 monthly with HSBC Amanah Personal Financing-i - Islamic Personal Loan. Customers can get help and support on HSBC's products and services, including credit cards, internet and mobile banking, accounts, and loans online. The company also provides professionally managed funds across different sectors to help customers grow their wealth. The company was founded in 1865, and the CEOs are Mukhtar Malik Hussain and Omar Siddiq bin Amin Noer Rashid.

RAM Holdings is a leading provider of independent credit research and advisory services. Their forte is in the provision of unparalleled insights into the Malaysian bond market to help guide their clients’ decision making processes and also in other value-added services that complement their requirements. RAM Holdings (formerly known as Rating Agency Malaysia Berhad) was established in November 1990 as a catalyst for the domestic debt-capital market and as the nation’s first credit-rating agency. Their shareholders comprise both local and foreign financial institutions. On 1 July 2007, their rating operations were novated to a newly formed subsidiary, RAM Rating Services Berhad (“RAM Ratings”). Today, RAM Holdings spearheads the cultivation of new businesses and continues to provide training as well as economic research that promotes financial and credit expertise, in addition to soft skills. At RAM Holdings, they have three main subsidiaries that take care of their clients’ needs RAM Ratings and RAM Ratings (Lanka) Limited (which provide credit-rating services in their respective markets), and RAM Consultancy Services Sdn Bhd (which supplies innovative risk-management solutions as well as strategic business and advisory services). They also have 2 units within the holding company that furnish economic research and training services areas in which they possess more than a decade of experience. Through their solid infrastructure and diversity of skills, they are able to assign expert teams that provide in-depth analysis on the domestic debt-capital market to both issuers and investors as well as consultancy and business advisory services. As part of their initial ventures en route to their longer-term vision, RAM Holdings has established affiliations with internationally renowned Standard and Poor’s. They are also directly involved in other developing markets such as Sri Lanka, Bangladesh, Pakistan and Kazakhstan. In the regional arena, RAM Holdings is a member of the Association of Credit Rating Agencies in Asia (or ACRAA). Furthermore, they provide technical assistance and training to Bangladesh’s Credit Rating Information and Services Limited (or CRISL). Through their presence in these international financial markets, RAM Holdings is able to keep their finger on the pulse of global developments and activities. As the nation’s premier credit-rating agency and provider of advisory services, they are well poised to provide guidance by furnishing insightful advise and service of exceptional quality, integrity and objectivity.