RAM was established in 1990 by the Malaysian central bank as part of the “institutional infrastructure” to support the development of Malaysia’s rapidly developing bond (capital) market. Today, RAM has transformed into a leading financial services group and top credit rating agency in Malaysia and ASEAN where our credit opinions are widely referred to by a broad spectrum of investors, financial institutions and regulators. Along the way, RAM has facilitated in the raising of funds totaling US$270 billion in bonds and sukuk that have been instrumental in infrastructure development and corporate expansion in Malaysia and 11 other countries. We have the distinction of being a key contributor to the development of the Malaysian domestic bond market, which is now the largest in ASEAN, and also played the role of a facilitator in enabling Malaysia to be the world's leading sukuk market. As an integral part of this evolution, RAM has developed strong experience and expertise in the credit rating of corporates, banks, structured finance, as well as sovereigns. Our ratings coverage has similarly expanded beyond Malaysia, to include entities from other countries in Asia, and the GCC. RAM’s vast experience and contributions in the fast-growing global sukuk market has also won us numerous awards, including the Best Islamic Rating Agency award in 2013. Our services are premised on integrity, fairness and independence. We treat our work seriously, simply because businesses rely on us. This is why we employ the best talent and continuously upskill our people to ensure we deliver credit opinions that financial markets trust. As RAM moves on in its challenging journey to expand global outreach and support activity in the world bond markets, we believe that our people and our singular commitment to quality will prevail globally.