Capital Markets News

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

Do you know? Non-Profit Organisations (NPOs) must file quarterly and annual fund-utilisation reports, submit detailed social-impact reports (with external review if required), maintain accurate donor and transaction records, and ensure all promotional materials are clear, accurate, and explicitly state that the Securities Commission (SC) has not endorsed the fundraising. Equity Debt Digital assets M&A Malaysian…

Do you know? Eligible projects for Social Exchange Platforms (SEP) include welfare and healthcare services, education initiatives, livelihood support for vulnerable groups, religious facilities, environmental sustainability and conservation efforts, and disaster relief or rehabilitation programmes, all aimed at delivering measurable positive social outcomes and benefiting Malaysian communities in need. Equity Debt Digital assets M&A Malaysian…

Do you know? Non-Profit Organisations (NPOs) must be legally incorporated, show a track record in social projects, segregate raised funds in licensed Malaysian banks, use no more than 20% of funds raised for operating costs, and provide regular utilisation and social-impact reports with clear, accurate fundraising disclosures. Equity Debt Digital assets M&A Malaysian Other markets

Do you know? A Social Exchange Platform (SEP) operator, the company running the fundraising platform, must have RM500,000 minimum paid-up share capital and maintain RM500,000 shareholders’ funds at all times. Non-profit organisations using the platform must meet other eligibility and reporting rules but face no capital requirements. Equity Debt Digital assets M&A Malaysian Other markets