| HwangDBS Investment Bank Berhad was rated by an external agency, RAM Rating Services Berhad ("RAM"). In August 2011, RAM has reaffirmed the Bank's long term rating of A2 and a short term rating of P1 respectively. Financial institutions rated in 'A' category are adjudged to offer adequate safety for timely payments of financial obligations, and has adequate credit profile but possess one or more problem areas, giving rise to the possibility of future riskiness. Entities rated in this category have generally performed at industry average and are considered to be more vulnerable to changes in economic condition than those rated in the higher categories. The subscript '2' in this category indicates a mid-ranking in the A category. Financial institutions in the 'P1' rating are defined by RAM as having superior capabilities for timely payments of obligations.
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