Capital Markets News

Do you know? Stablecoin holders don’t earn interest directly but can deploy coins to earn yield. Options include lending on CeFi / DeFi platforms, staking or yield farming, centralised savings products, and tokenised Treasury-backed instruments. Returns depend on borrower demand and platform design, but risks include defaults, hacks, insolvency, and shifting regulations. Equity Debt Digital…

Do you know? Malaysia’s key stablecoin initiative is MYRC (BLOX), pegged 1:1 to the ringgit and fully backed by fiat reserves held in trustee accounts. Issued on Ethereum and Arbitrum, it is not yet BNM-regulated. Malaysia’s Digital Asset Innovation Hub (sandbox) provides a controlled environment for testing ringgit-backed stablecoins and other tokenised financial innovations under…

Do you know? Popular examples of stablecoins include USDT (Tether) and USDC (Circle), both backed mainly by US cash and Treasury bills. BUSD is fiat-backed, while DAI is collateralised with crypto assets. These structures aim to maintain 1:1 pegs, though risks vary depending on transparency, reserves and governance. Equity Debt Digital assets M&A Malaysian Other…

Do you know? Stablecoins are digital tokens designed to maintain a stable value by pegging to assets like fiat currency, commodities or other crypto. They combine cryptocurrency’s speed and programmability with reduced volatility, making them widely used for payments, trading and DeFi, while raising regulatory, reserve and systemic risk concerns. Equity Debt Digital assets M&A…

Do you know? Housing consistently accounts for the largest share of household assets across income groups, and especially for B40 and M40. For B40, the next largest asset is usually EPF (Employees Provident Fund) savings. Equity Debt Digital assets M&A Malaysian Other markets

Do you know? B40 households are those with a monthly household income below RM4,850. M40 earn RM4,851 to RM10,959. T20 earn RM10,960 and above. 25 % of household borrowers have debt service ratio (DSR) exceeding 60%. Equity Debt Digital assets M&A Malaysian Other markets

Do you know? Despite low overall impairment rates, household groups most at risk are lower-income households, who have smaller savings buffers and proportionally higher debt service ratio (DSR), which makes them sensitive to cost-of-living or job shocks. These groups include younger borrowers, self-employed and gig economy workers. Equity Debt Digital assets M&A Malaysian Other markets

Do you know? Home loans are usually secured, longer-tenor and benefit from borrower screening (affordability checks), so they have the lowest default / impairment incidence. Unsecured consumer credit and credit-card debt are shorter-tenor, higher-cost and less collateralised, so they carry higher delinquency / charge-off rates. BNM and industry experts consistently flag credit cards and unsecured…

Do you know? Housing loans make up the largest portion of household debt (60%-61%), followed by vehicle loans (13%), and personal financing (12-13%). The median debt service ratio (DSR) is 34% for outstanding loans, and 41% for new loan approvals. Equity Debt Digital assets M&A Malaysian Other markets

Do you know? Household debt in Malaysia is RM1.65 trillion or 84% of GDP. Financial assets held by households are about 2.1 times total debt, giving a buffer that helps reduce risk. Equity Debt Digital assets M&A Malaysian Other markets