RAM Group (RAM Holdings Berhad) is a leading provider of independent credit ratings, research, training, risk analysis, ESG analytics, and bond pricing. They specialize in insights into the Malaysian bond market, offering services to investors and financial institutions. Their target audience includes local and foreign corporates, banks, insurance companies, and government-linked entities. The unique selling proposition is their expertise in providing crucial credit opinions, leveraging their extensive market understanding to guide investment decisions. This expertise is underscored by their pioneering role in Malaysia's credit rating services[1][3][5].