MY CAREER PATH AT RAM GROUP OF COMPANIES

RAM Holdings is a leading provider of independent credit research and advisory services. Our forte is in the provision of unparalleled insights into the Malaysian bond market – to help guide our 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. Our shareholders comprise both local and foreign financial institutions.

On 1 July 2007, our 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, we have three main subsidiaries that take care of our 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). We also have 2 units within the holding company that furnish economic research and training services – areas in which we possess more than a decade of experience.

Through our solid infrastructure and diversity of sk/Cills, we 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 our initial ventures en route to our longer-term vision, RAM Holdings has established affiliations with internationally renowned Standard and Poor’s. We 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, we provide technical assistance and training to Bangladesh’s Credit Rating Information and Services Limited (or CRISL).

Through our presence in these international financial markets, RAM Holdings is able to keep our finger on the pulse of global developments and activities. As the nation’s premier credit-rating agency and provider of advisory services, we are well poised to provide guidance by furnishing insightful advise and service of exceptional quality, integrity and objectivity.