RAM Consultancy Services Sdn Bhd (RAM Consultancy) is a wholly owned subsidiary of RAM Holdings Berhad. Established on 31 May 2000, RAM Consultancy has carved a reputation in economic advisory, risk management, strategic business consultancy, debt restructuring and project-advisory services. In 2016, RAM Consultancy has strategically focused its business in the Sustainability Ratings of companies in the areas of Environment, Social, Governance and Positive Impact.

In an era of sustainable development, our opinion of the sustainability performance of companies can be valuable to investors, regulators, industry players, employees and also the community. RAM Consultancy has also expanded into other sustainability services to aid organisations in implementing their sustainability initiatives.

Please click here to download the sustainability services brochure.

Sustainability Ratings

We offer recognition to sustainable companies and aspiring sustainable companies through Sustainability Ratings. The Sustainability Rating team consists of analysts who are dedicated in providing in-depth research, analysis and benchmarking of the sustainability performance of companies.

Our Philosophy



Our Methodology

Advisory Services

Advisory Services - Content

Consulting Services

Our consulting services are multi-disciplinary in approach and strategic in focus. Our core areas revolve around credit risk management, and strategic business and project advisory. These services leverage on the consulting team’s expertise and resources developed over the years in credit rating and risk analysis, economics research, industry studies, project management and business advisory.

Credit Risk Management

We develop credit risk models/grading systems/scorecards/general risk models for corporate and retail segments that deploy methodologies ranging from expert judgement to advanced statistical and machine learning methods. By leveraging on the RAM Group's resources and analytical abilities and guided by an intimate knowledge of the local operating environment, we are able to offer the most appropriate and cost-effective solutions that meet our clients’ requirements.

Risk Products and Services

Model Development

  • Model development for corporates and SMEs, retail scoring, and project financing.
  • Models are customised to clients' portfolio.
  • Modelling with powerful state-of-the art software anchored by statistically sound methodologies.

Model Calibration

  • Calibration of models to internal PD master scale or benchmarked/shadow rating to External Credit Assessment Institution (ECAI).

Model Validation

  • Validation of clients' internal rating models to Basel II and regulatory requirements and best practices.

Risk Framework and Processes

  • We provide advice on risk architecture and policy framework, workflow processes, and database management, for effective credit risk management and compliance with regulatory requirements and best practices.

Credit Database

  • Advice on credit database design and specification, and system integration to fit project purposes and ensure continuity of effective deployment and data support.

Risk Training

  • General corporate credit analysis.
  • Risk modelling techniques via hands-on workshops.

Other Related Services

  • We also offer gap-analysis studies, financial and industry benchmarking for Malaysian companies, and financial spreading tools.

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