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Bank Industry Risk Analysis: Malaysia Jan 00
Standard & Poors, Jan 2000
Abstract
Key factors behind the higher-than-average risk, by international standards, of Malaysia's banking and finance industry are the country's overleveraged corporates, developing economy, and regulatory forbearance. More positively, an industry structure allowing for moderate competition, and demonstrated system support by the government, are mitigating elements. Bank ownership is a mixed rating factor. While some banks are institutionally owned, others remain influenced by a single individual or family shareholder, a setup that is less likely to foster professional management. The rapid expansion of private sector debt as a proportion of gross domestic product in Malaysia during the early to mid-1990s, followed by a leveling out during the 1998 recession, reflects the inherent risk of the operating environment for banks and underscores the...
Companies mentioned in this report are: Malaysia,Malayan Banking Bhd.,Sime Bank Berhad,Public Bank Bhd.,Affin Bank Berhad,RHB Bank Bhd.,CIMB Bank Bhd.,Southern Bank Berhad,Ban Hin Lee Bank Berhad,Alliance Bank Malaysia Berhad,AmInvestment Bank Bhd.
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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