Darren Rahman / Chief Financial Officer
Perspectives from a life in leadership.
The latest essay
Salary-deduction personal financing has some of the lowest impairment rates in Malaysian retail banking. Written at fixed rates for up to ten years and funded by deposits that reprice within months, it also carries a rate exposure that credit reporting never shows.
Read the essaySalary-deduction personal financing has some of the lowest impairment rates in Malaysian retail banking. Written at fixed rates for up to ten years and funded by deposits that reprice within months, it also carries a rate exposure that credit reporting never shows.
When a bank sits inside a listed holding company, its dividend is often settled by what the parent has already told its own shareholders. The payout should instead be whatever is left after a capital plan has survived a severe scenario.
Islamic banks spend much of their governance effort on getting contracts approved. Most of the non-compliance I have seen arose later, in systems and sequences no committee member could see, and finance should fund its prevention as an operating control.