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.  Renowned for rating Islamic securities (sukuk), RAM Ratings has won numerous awards in this arena, including the GIFA Power Award (Islamic Rating) at the Global Islamic Finance Awards (GIFA) in 2021, 2022, and 2023, and The Best Islamic Rating Agency (Malaysia) award at The Asset Triple A Islamic Finance Awards 2022. 

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.

RAM Group

Nagraj Halkeri

This department is responsible for evaluating creditworthiness and financial risk for individuals and organizations.

Credit Analysis

This department provides strategic direction and oversight for the organization.

Executive Leadership

This department focuses on analyzing financial data and providing insights to support decision-making in various sectors.

Financial Analysis

This department oversees the strategic direction and governance of the organization through its board members.

Board Governance

This department focuses on analyzing data to provide insights and support decision-making processes.

Data Analysis

This department focuses on analyzing economic trends and providing insights to inform decision-making.

RAM Group

Org chart

Teams

Credit Analysis

Executive Leadership

Financial Analysis

Board Governance

Data Analysis

Economic Analysis

Offices

RAM Group

Org chart

Teams

Credit Analysis

Executive Leadership

Financial Analysis

Board Governance

Data Analysis

Economic Analysis

Offices

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