SESSION 3: FINTECH AND THE DIGITAL ECONOMY. Saturday, 15 April 2017
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1 SESSION 3: FINTECH AND THE DIGITAL ECONOMY Saturday, 15 April
2 1. Fintech and Digital Economy Digital has become business as usual Digital Economy Digital Economy: Economy that is based on digital technologies Digital Re-imagine Global Connectivity Proactive Experience Product Enhancement Collaborative Innovations Sophisticated Industry Solutions E n a b l e r FINTECH Product & Services Change in future finance and economy New market environment & business model Innovation-driven economy of the future Investor Venture End Consumer How you see the benefits Wider Choices Competitive return Bank Intermediated New avenue for funding Options Enhance Visibility Value for money Quality Affect the way you do things Value Creation By constantly examining (impact on customer experience / needs) 2
3 2. Traditional Classes of Assets for Investment Expected Risk COMMODITIES higher moderate BONDS / SUKUK REAL ESTATES / PROPERTIES STOCKS / EQUITIES GROWTH lower CASH INCOME lower moderate higher Expected Return 3
4 Types of IA Options for Customers Products 3. Investment Account (IA) vs Deposit The Differences Under IFSA, customers have the choice of placing funds in Islamic deposit acc. or investment acc Deposit Account Investment Account ISLAMIC BANK 1. Deposit Account Principal guaranteed up to RM250,000 per depositor per bank Flexible fund withdrawal Many types of deposits e.g. current acc. and savings acc. 2. Investment Account Returns are based on performance of underlying assets Maturity and withdrawal conditions agreed at inception Business/ House/ Car/ Personal Financing Shariah Contracts Wadiah (safekeeping) Murabahah (cost plus basis) Qard (benevolent placement) Musharakah (profit and loss sharing) Mudarabah (profit sharing and loss bearing) Wakalah (agency agreement) Source: BNM Restricted Investment Account (RIA) Funds invested into specified assets with the investment mandate by customers Requires matching between investment tenure and the maturity of the underlying assets Customers are subject to specific withdrawal conditions agreed at inception Unrestricted Investment Account (URIA) Customers rely on Islamic banks expertise Islamic banks may combine investment account funds belonging to many customers with similar risk profiles within a single or multiple URIA pools to be invested in a group of assets Customers are subject to more flexible withdrawal terms compared to RIA 4
5 4. What is IAP With IAP: Islamic banks are allowed to pursue their role as investment intermediaries in which the alternative modes of risk-sharing contracts can be applied for the investment account. Raeed Holdings: Mission To be the avenue of choice for fund raising and investment in support of real economic growth This is the first time that Islamic banks in Malaysia have come together and established an entity to undertake business activities, which are of common interest to the banks. 5
6 4. What is IAP (cont d) 6
7 4. What is IAP (cont d) IAP facilitates 2-legged transactions where banks acts as investment intermediary, in addition to the traditional role as credit provider Financing contract (governed by Facility Agreement) i. risk transfer, and ii. risk sharing 1 Sponsoring Banks (SBs) 2 Investment contract (governed by Product Disclosure Sheet or PDS) Online application for funding Online listing of venture or projects for investors to view and invest Ventures Independent rating on venture or project Investors 7
8 5. Investing via IAP Visit IAP website and click Sign Up to register as IAP user. 8
9 5. Investing via IAP (cont d) Select Individual or Business 9
10 5. Investing via IAP (cont d) After successful registration, an will be sent to the user by IAP and the user can click the link in the and log on to IAP portal to activate the account. 10
11 5. Investing via IAP (cont d) 1. To view more details, user to select any venture / project listed on IAP Portal. 2. Having read and understood the information given, user can invest by filling in the preferred investment amount and then click Submit 11
12 5. Investing via IAP (cont d) An individual user is required to complete Suitability Assessment (SA) questions on IAP portal to determine his / her risk profile. 12
13 5. Investing via IAP (cont d) The table below denotes the Individual Investor s Risk Profile against the recommended rating for Venture / Project for investment. 13
14 6. Independent Rating for Ventures by RAM Solutions Sdn Bhd 20-point rating scale Issue specific rating - current opinion on creditworthiness of rated issue Reflects overall capacity and willingness of an issuer to meet payment of capital and expected returns on a full and timely basis Rating Symbol aaa aa a bbb bb b Credit Quality Superior High Adequate Moderate Low Very low Industry Business c High likelihood of default d Default Financial Management 14
15 7. Listings on IAP (Actual Assets for Investment) Venture / Project SURIA Financing purpose Working capital Working capital Project Financing Working Capital Project Financing Economic Sector Transportation Financial Services Rental Business Financial Services Infrastructure Expected returns to investors (p.a.) 6.50% 6.60% 6.08% 4.90% 6.30% Fund required RM10 mil RM6 mil RM4 mil RM60 mil RM12 mil Financing tenure 3 years 5 years 2 years 3 years 1.5 years RAM rating bbb2 bbb3 a3 Unrated a3 Sponsoring Bank Bank Muamalat Bank Islam Affin Islamic Maybank Islamic Listing Date May 2016 Nov 2016 Nov April 2017 Bank Islam Mid April
16 8. Media Coverage on Investment via IAP 16
17 10. IAP Contact Details Contact Details com.my 17
18 Thank You Register as IAP user at 18
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