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Please introduce yourself using a movie/ a cartoon/ an anime character that resemble your personality/character. Thank you.

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Please introduce yourself using a movie/ a cartoon/ an anime character that resemble your personality/character. Thank you.

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Hello everyone. Belle has the heart of learning, she loves reading and although she is quite passive, she is never afraid for an adventure....Because she believes that people should never stop learning, never stop improving, never giving up and always keep moving forward..And these personalities of Belle resemble myself, I am Madam Ninalyn...Nice to meet you all!

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Hi everyone, Umi Matsuzaki from Up on Poppy Hill is a very responsible,helpful,kind and loyal person. she always have her own way to helps other and she will not expecting any reward from them. Her personality really suit me very well and i'm Nur Illieyana.. Lovely to meet you all..

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Hello everyone , nice to meet you guys. This cartoon character that i think have a same character with me is Red Shoes . Red Shoes extremely kind, honest and gracious as she managed to lift Excalibur from its stone when no one else could. This girl is Unselfish, Gracious and Truthful. She is also brave and loyal person and this character suit me very well and hello everyone , I'm Dayang Azira . Nice to meet all of you.

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Hello Bello everyone, I'm Veronica Edna, glad to meet you guys. I hope we can be friends :)
I do choose Anna as my cartoon character, because I think we have the same personality.
Anna, all of us know that she is very goofy but at the same time she is the one of optimistic person. Even if she looks unfriendly, but in fact she was just shy. She always puts others first even when she had to make sacrifices (but for me let us sacrifice together while doing group assignment/ assessment ya Haha FIGHTING !). Plus, she also used to be cheerful, easy-going yet friendly person especially when you already be her close friend then you will know how over friendly she is. Thankyou for reading hihi :')

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Hello everyone.

Nice to meet you guys.
I hope everyone is staying healthy and having a productive day.

A cartoon character that resemble my  personality or character the most in my opinion is Charlie Brown from Peanuts.

Charlie Brown is a gentle, lovable and as a child he possessed of endless determination, hope and are always up for a challenge.
And I believe, these personalities of Charlie Brown resemble myself, I am Sarah Syairah.

Have a Fantastic Friday everyone!

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Check out this 800 x 800 px designed by Sara S Ahmad.

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Hello everyone, I’m Erdayna.

A cartoon character that resemble my personality or character is Ice Bear from We Bare Bears.

The reason why i choose ice bear is because of his chill and relaxed personality. Even though he’s in a serious situation he still manage to be relaxed. That personality of him really resembles me, even when i know that i have an assignment to be submitted in a short period of time i still manage to watch and finished few episodes of my Korean drama yet still manage to finish my assignment right on time. ( hopefully i will manage to change this personality of mine. It is really dangerous to be too chill and relax in a serious time and i think this was my toxic trait ) hewhew~~~

That’s all from me. thank you for reading! I hope that we will get along well until the end of the semester/degree! Best of luck my friends! ❤️

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Hello everyone! My name is Vivianne Virginia.
If i were to introduce myself by using a cartoon character it would be Sofia. Sofia is a girl full of positivity, kind, and loves animals. From the beginning, Sofia has shown to be a positive girl with a gentle heart. She is also always seem to be helping others in trouble and helping them to solve it. Sofia is also surrounded by animals because of her kind nature. However, I think the most resemblance of me with this character would be the animal lover part hehe..
That's all from me, Nice to meet all of you!
I hope we can get along well through out the entire semester and stay safe!

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Henlo everyone ! <3 I'm shafiqah. I choose princess vivian from sofia the first as a cartoon character that i think suits me.. Vivian  is a shy girl who has trouble talking to other people, and as a result had no friends.  But, after being partnered with Sofia for a project for art class, the two of them eventually became best friends and Sofia helped Vivian become more confident, and overcome her fear of being around and talking to others. To be honest , i'm a shy girl in real life but i really enjoy if i meet those people who show their interest in talking with me :D and i guarantee you will find im a bit talkative than you ever think hihi. Err wait, i guess not really talkative la, so so. like bila perlu then i talk. Gittew . hehe. I hope all of us can get along well and help each other throughout this entire semester ya ! and do our best especially in our group assignment :D

Thats all from me ;D Stay safe everyone and all the best for this semester ya ! Fighting ! xoxo <3

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Hi everyone, you can call me Ira. I actually don't know which cartoon or anime will resemble my personality but I think I'm quit close to Rapunzel. I spend most of my time since I was a kid until now alone at home than go out make friend. so I find its hard to communicate with people except for my studies or work relation. but I'm actually a very bright and playful person.

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Please write down your group members' name.

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Read this news article: https://www.theedgemarkets.com/article/bnm-malaysias-financial-system-remain-resilient-against-economic-financial-shocks

Write your opinion about the issue. You may agree or disagree with your other friends. Please participate in this tutorial ya. Thanks.

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KUALA LUMPUR (Sept 29): Bank Negara Malaysia (BNM) said that while recovery prospects for the Malaysian economy remain subjected to some degree of Covid-19 pandemic-driven uncertainty, the domestic financial system is expected to remain resilient against potential economic and financial shocks as banks and insurers continue to have sufficient financial buffers to absorb potential losses under severe macroeconomic and financial conditions while sustaining support for economic recovery.

According to BNM's Financial Stability Review report for the first half of 2021 (1H21) published on Wednesday, domestic financial stability continued to be firmly supported by a resilient financial sector. The ramp-up in provisions in 2020 has provided banks with some headroom this year to moderate the amount of additional provisions set aside for credit losses and support a recovery in profitability.

"This enabled banks to further extend debt repayment assistance to households and businesses that were affected by the most recent movement restrictions while sustaining lending activities. Similarly, insurers and takaful operators generally remained profitable and well placed to assist individuals and businesses by providing flexibility for premium and contribution payments that would preserve their protection coverage.

"In the domestic financial market, conditions have remained orderly. This is further supporting overall funding conditions for banks and corporates," the central bank said.

BNM said banks in the country continued to take a forward-looking approach to credit risk management despite considerable challenges in updating assessments of borrowers' creditworthiness.

This was partly due to the absence of more current loan repayment data, especially for borrowers enrolled under the various loan repayment assistance programmes, according to BNM.

"Throughout 1H21, banks continued to increase provisions for credit losses in anticipation of a deterioration in asset quality as repayment assistance programmes were gradually unwound. The loan loss coverage ratio remained around historically high levels, reflecting the higher degree of stringency in the provisioning practices of banks.

"Provisions by banks with significant retail exposure have also notably increased in recent months in response to the successive expansion of repayment assistance programmes. This continues to provide assurance that banks are reasonably well positioned to withstand higher-than-expected credit losses in the event of more adverse credit developments," BNM said.

Malaysia's business sector performance began to recover heading into the second quarter of 2021 (2Q21) amid the easing of pandemic-driven movement restrictions, BNM said.

The share of firms at risk declined from earlier peaks seen in 2020, although it remained higher than the average pre-pandemic levels due to continued challenges faced by firms in sectors that had been harder hit by movement restrictions, according to BNM.

"Overall business leverage has also improved in line with higher debt repayments by firms. The reimposition of stricter nationwide containment measures towards the end of 2Q21 could, however, see some of these financial improvements set back, particularly among smaller firms in the construction and services sectors, while prolonging difficulties that were already challenging firms in the tourism-related industries.

"This could lead to renewed pressure on the debt-servicing capacity of more affected firms. Repayment assistance programmes as well as support measures from the government and the bank (BNM) have so far contained any material increase in loan defaults. In particular, the cash flow relief from deferred loan repayments is helping small and medium enterprises (SMEs) cope better under renewed movement control restrictions, along with a positive impact from cost-cutting measures and increased digital adoption.

"Consistent with this, the share of SME loans assessed by banks to be of higher credit risk remained relatively modest despite an increase in SMEs that applied for [loan] repayment assistance in recent months. Banks also continued to lend to viable SMEs with various financing guarantee schemes remaining available to complement direct bank lending to these segments," BNM said.

Meanwhile, most household borrowers in the country remained reasonably resilient with existing financial buffers and policy assistance measures providing a cushion against potential shocks, according to BNM.

BNM said loan repayment assistance extended by banks continued to provide support to distressed household borrowers, staving off further damage to their finances and, in turn, the economy and financial system at large.

"While this is helping to temporarily support borrowers' debt-servicing capacity, a more entrenched economic recovery remains key to restoring longer-term financial health of borrowers.

"The share of household borrowers who have applied for [loan] repayment assistance has risen sharply in line with further expansion of repayment assistance by banks in June and July, but as observed prior to June, this is expected to decline again as the economy gradually reopens and households see less need to build up precautionary buffers.

"Importantly, new bank lending to the household sector continued to be underpinned by sound underwriting standards. The exposure of banks to higher-risk household borrowers with thinner buffers also remained low," the central bank said.

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BNM: Malaysia's financial system to remain resilient against economic, financial shocks

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Bank Negara Malaysia (BNM) said that while recovery prospects for the Malaysian economy remain subjected to some degree of Covid-19 pandemic-driven uncertainty, the domestic financial system is expected to remain resilient against potential economic and financial shocks as banks and insurers continue to have sufficient financial buffers to absorb potential losses under severe macroeconomic and financial conditions while sustaining support for economic recovery.

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Hello everyone ! My name is Siti Nursarina .. I choose this person aka Choi Yu Jin because it resemble my character such as she never give up.... she's also very hardworking onto pursuing her goals... she never feels tired and always have this bubbly energy with her, she's also pretty optimistics about whatever results she gained. Bravely enough, she manage to defy the fate and come this far with her own efforts. I believe if I give my utmost efforts, I'll gain the better results! Nice to meet you all, I hope we can get along this semester and pass this degree with flying colors!

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Yes, I agree with the article because even though Malaysia's financial system remained unfazed against economic financial shocks, it still affect most families that unable to cope without increase their debt with the bank. I support bank decision on extended debt repayment assistance to customers while halting their lending activities despite high risk that causes by the absence of borrower's data that were used to determine their credit worthiness. The bank able to stand on their ground by implementing few programs in order to prevent credit losses. Thus, by loan repayment assistance able to provide support to miserable households that were hit hard with this crisis, and able to help economics and financial to recover slowly. As a result, it is expected the economics to recover fully and the amount of borrowers who applied for loan repayment assistance to decline.

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After reading this entire article, I agree with this article which states that although the current pandemic is very much affecting the country but the banks can still control this situation. Banks are still able to have sufficient finances to absorb potential losses in severe macroeconomic and financial conditions as well as continue to support economic recovery.
I also agree banks continue to increase provisions for credit losses to help traders who are experiencing a severe economic downturn. many business sectors are affected by this situation but are still recovering and recovering.
I also support the repayment assistance program as this can help in a material increase in loan defaults especially to small enterprises. the program also helps affected households to repay their debts.

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I agree with the article that state Malaysia's financial system remain resilient against economic, financial stocks. In this pandemic situation, it is really affecting the country but financial system in Malaysia still can manage to provided their services which is loan and manage to face credit risk despite many challenges in updating the assessment of borrowers' creditworthiness. The bank was capable of carrying its strength by introducing a few procedures to reduce bank charges. Other than that, because of a few crisis that happen toward households, bank can help household through loan repayment and capable of assisting economic and financial recovery. By that, the households can repay their debt to the bank.

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In my point of view, I do agree with the article statement. It is relieved to know that Malaysia's financial system still remain resilient against economic and financial shocks due to the pandemic Covid-19 . But, it is significant to be aware and be prepared enough  as we can't predict what future might hold. For instance,  many firms in economics sectors had been hit harder  especially in tourism sectors. Although this crisis caused firms faced difficulty as they faced huge losses due to the movement restriction order made by government, i strongly believe soon our economy will recovery slowly as the travel ban was slowly lifted . I also agree and support with  bank decision on extended debt repayment assistance to its debtors as it help those households that were affected by this crisis to pay for their debt . It is already hard enough for the debtors to survive during  the movement control order(mco) phase and it is a relieved for them as the loan repayment assistance extended by banks continued to provide support to distressed household borrowers, staving off further damage to their finances.

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In my opinion , I agree with the article statement. We know that the Covid-19 pandemic previously caused the entire economy to stopped.  Even in a challenge to improve back all the sector, it's encouraging to hear that Malaysia's financial system is still regarded sturdy in the face of economic challenges. In terms of my personal opinion, Malaysia needs to be reminded of future economic shifts that can happen anytime. Our country should always be aware and prepare a really strong plan for anything happen for now on. For example, hoping that the government and  banks to work together to  find a better solutions to help our economics and financial status be always on track.

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Yes, I agree with this article that state loan repayment aid offered by banks has continued to provide help to distressed family borrowers, preventing additional damage to their finances and, in turn, the economy and financial system at large as an outcome of the pandemic. While this helps to temporarily support borrowers' debt-servicing ability, a more established economic recovery remains critical to restore borrowers' long-term financial health.

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I do agree with the statement in the article.  I think It is important to make sure that Malaysia economy can remain resilient against the financial shock during the pandemic. Many parties in economy sector face great damage and losses because of recent movement restrictions. Hence, the ability of a bank to further extent debt repayment assistance to household and businesses that effected can help the borrower to find relieve.

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Based on the issue, i agree that Malaysia's financial system remained adaptable against economic and financial shocks although the degree of Covid-19 pandemic is uncertainty. However, Bank have to make a proper plan and always be aware for unpredictable situation that might happen in the future.

It is good to know that the BNM have their own additional measures to further support SMEs and individuals affected by the COVID-19 Outbreak. For example, bank extended debt repayment assistance to households and businesses that were affected by the most recent movement restrictions while sustaining lending activities. This can reduce the burden of those who are affected and a chance for them to return to health and strength to recover from financial losses.

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Regarding to  the article, I wholeheartedly agree with the statement that Malaysia's banking system has proven to be resilient to the effects of economic and financial instability. Currently, the Covid-19 pandemic is having a significant impact on the financial and economic well-being of the country. This financial shocks situation unevenly felt by many people who comes from many different path of life.  However, the Malaysian financial system is still able to provide its services, which include loan provision, and to maintain credit risk even with all these challenges associated with updating the evaluations of borrowers' ability to repay. A loan moratorium also was implemented in Malaysia due to the COVID-19.  As announced by Bank Negara Malaysia (BNM) and banking sector, borrowers' moratorium support has been changed into borrowers' repayment assistance. This indicates helping individuals and businesses whose income is severely affected by Covid-19. BNM could be remain stable as long as the borrowers still paying for the loan in the long term. As a result, Malaysia has to be warned of possible future economic upheavals. From now on, our country ought to be constantly alert and ready with a realistic plan. As  expecting that the government and banks will collaborate to improve our economic and financial situation.

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I agree with the article that Malaysia's financial system has remained resilient to economic and financial shocks, allowing banks to provide further debt repayment help to people and businesses affected by the recent movement restrictions while continuing to lend. Similarly, despite significant challenges in updating assessments of borrowers' creditworthiness, insurers and takaful operators remained profitable and well positioned to assist individuals and businesses by providing flexibility for premium and contribution payments that would maintain their protection coverage even while facing credit risk management. Repayment assistance programmes, as well as government and bank (BNM) support measures, have so far prevented a significant increase in loan defaults. Small and medium enterprises (SMEs) are coping better with renewed movement control limitations thanks to cash flow relief from deferred loan repayments, as well as a positive impact from cost-cutting initiatives and greater digital use. Bank loan repayment aid continues to help distressed household borrowers, preventing further damage to their finances and, as a result, to the economy and financial system as a whole.While this is assisting borrowers in temporarily repairing their debt-servicing ability, a more established economic recovery is still required to restore borrowers' long-term financial health.
Importantly, good underwriting standards continued to underpin new bank lending to the household sector. Banks' exposure to higher-risk household borrowers with narrower buffers remained modest as well.

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Based on the article, I think Malaysia's financial system are quite resilient despite being hit by the unexpected hurdled which is the covid-19 pandemic. The article explains how the banks in Malaysia are able to cope with our current situation with all the movement restrictions imposed by the government. A lot of people and businesses are affected by the movement restrictions and are facing financial problems. However, the banks are still able to provide their services such as loan repayment assistance which has help to aid a lot of people's financial strain temporarily. This proves that the banking sector are able to withstand any problem even in a bad economic condition.

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As i read the article at first I'm agree with the article but then suddenly i changed my mind as i think about bank itself . As we know that bank job were to provide or lend money and the money will never end ( duit tidak akan habis ) but when the pandemic hit us for 2 years now its effected not just the people but also the bank and moreover our own country.  For the bank its continued to increase provisions for credit losses in anticipation of a deterioration in assets quality as repayment assistance programmes were gradually unwound. the loan loss coverage ratio remained around historically high levels reflecting the higher degree of stringency in the provisioning practice of banks.
we know that bank MONEY WILL NEVER FINISH as the bank keep receiving money from the loaner but now bank keep provide money to people but receive very very small money in return . what do think will happen to the bank and our economic if this things keep and keep going ? its not just affecting the people,  the bank itself but also will affect our economy. so i was disagree with the article as i know pandemic were really hard for us especially in term of money but its more harder for the banks to keep thinking how to recover all the losses they gain.

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The COVID-19 pandemic has caused our economic sectors get worsen, it is because of the movement restriction that has been imposed by the government. Because of this, lot of business sector has been affected. Not only that, but also it has affected people’s sources of income. From this situation, we know that a lot of loan borrowers faced challenges or having trouble  in paying their loan or debts from the banks.

From the article, it’s explain how the banks in Malaysia as well as the government cope with the challenges that faced by the borrowers. As I read the article the action that took by BNM is really helping. Especially in providing the loan repayments assistance service and banks also continued to lend to viable SMEs with various financing guarantee schemes remaining available to complement direct bank lending. This help the business sector to recover instead of stopping their business as well as the other sectors and small and medium enterprises (SMEs).

This is a proof that even in a bad economic situation banks still manage to cope, handle and find a way to solve the situation.

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Thank you for all students who have posted their opinions. To those who have not yet share their opinion, I will still allow you to do so.

Generally, it is important to have a sound and stable financial system for an efficient allocation of resources and distribution of risks in our economy - it ensures the intermediation process work efficiently - meaning to say the fund flows between surplus units and deficit units are efficient - hence promoting economic growth and development. BNM plays the major roles to promote and maintain monetary and financial stability - by promoting a sound and efficient Malaysian financial system - by maintaining the strength of financial institutions and formidable financial infrastructure to withstand any adverse economic situation.

Reference: Financial Market & Banking Operations Textbook of Ibrahim Abdul Rahman & Siti Norbaya Mohd Rashid

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Discussion on Group Assignment (10-11am: 29/10/2021)

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Discussion on Group Assignment (10-11am: 29/10/2021)

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Please discuss among your group members - maybe you can allocate tasks to members, etc. I will observe your discussion, so make sure every member contributes ya. Thank you.

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Please do your discussion in the comment section. If you have not yet register padlet and is anonymous, please write down your name. Thanks.

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Please do your discussion in the comment section. If you have not yet register padlet and is anonymous, please write down your name. Thanks.

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Please do your discussion in the comment section. If you have not yet register padlet and is anonymous, please write down your name. Thanks.

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Please do your discussion in the comment section. If you have not yet register padlet and is anonymous, please write down your name. Thanks.

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Please do your discussion in the comment section. If you have not yet register padlet and is anonymous, please write down your name. Thanks.

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Please do your discussion in the comment section. If you have not yet register padlet and is anonymous, please write down your name. Thanks.

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I do agree with the article, Malaysia financial system to remain resilient against economic. As we know, economy during this pandemic is very tough. Even households and company business faced so much of difficulties because pandemic led the economy to stopped. Our country had lost a lot of income during this pandemic. The rich become more richer well as the poor faced poverty. For this, BNM action is very good for current situation in Malaysia. Furthermore, I hope that government and bank will work together to recover Malaysia economy to stable.

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1. profatability ratio
ROA = 1.05 / 36.5
= 0.03
ROE  = 1.05 / 3.75
= 0.28
Spead = 2.50 - 0.95
= 1.55
NIM    = (2.50 - 0.95 )/ 36.5
= 0.04

2. liquidity ratio
L to TA = 25.5 / 36.5
= 0.70
LA to TA = 4.25/ 36.5
= 0.12

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PROFITABILITY : ROA = 2.9% ROE= 28% SPREAD= 1.55 NET INTEREST MARGIN= 4.2%
LIQUIDITY : Loans to total asset= 70% Liquid asset to total asset= 12%

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1) PROFITABILITY
ROA = 1,050,000/36,500,000 × 100
= 2.9%
ROE = 1,050,000/3,750,000 × 100
= 28%
SPREAD = 2,500,000 - 950,000
= 1,550,000
NET INTEREST MARGIN = 1,550,000/36,500,000
= 4.25%

2) LIQUIDITY
LOAN TO TOTAL ASSETS = 25,500,000/36,500,000
= 69.86%

LIQUID ASSETD TO TOTAL ASSETS
= 4,250,000/36,500,000 × 100
= 11.64%

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QUESTION 2:

a) Calculation based on Profitability and Liquidity:

1)    Profitability

·       ROA = 1.05/36.5 = 2.88%

·       ROE = 1.05/37.5 = 28%

·       Spread = (2.5 – 0.95) / 36.5 = 4.25%

·       Net interest margin = 2.5 – 0.95 = RM1.55

2)    Liquidity

·       Loans to Total Asset = 25.5 / 36.5 = 69.86%

·       Liquid asset to total asset = 4.25 / 36.5 = 11.64%

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Profitability
1) ROA
= 1.05/36.5
= 0.03 %
2) ROE
= 1.05/3.75
= 0.28 %
3) Spread
= 2.5 - 0.95
= 1.55 %
4) Net Interest margin
= (2.5-0.95)/ 36.5
= 0.42 %

Liquidity
1) Loan to total asset
= 25.5 / 36.5
= 0.7 %
2) Liquid assets to total assets
= 4.25/36.5
= 0.11 %

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Read the following news articles.

https://www.freemalaysiatoday.com/category/nation/2021/11/08/bnms-international-reserves-stand-at-us116-1bil/

https://www.thestar.com.my/business/business-news/2021/11/05/bank-negara-expected-to-tighten-monetary-policy-in-2h22

https://www.nst.com.my/business/2021/11/743770/malaysias-key-interest-rate-stay-put-till-mid-2022

https://www.thestar.com.my/business/business-news/2021/11/09/money-laundering-terrorism-financing-proliferation-financing-on-the-rise-says-bank-negara

From your reading, provide your opinion on why a central bank is important.

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Central bank play an important roles to control financial issues and manage the complicated economic. There are several functions of central banks which are; 1. Central bank is the main centralized monetary institution that to maintain internal and external monetary stability by recording any transactions made. It is also a benchmark of financial sovereignty of the country. 2. Central bank also responsible for formulation of credit policy of the country, they have the right to tighten policy or vice versa depending on the economic situation of the country. 3. To ensure the financial stability or money supply of the country by lowering rates 4. Central banks also play a role in managing and regulating currency exchange rates because all the foreign exchange transactions of a country are routed through the central bank of the country and all the expenses in foreign currency whenever required are incurred though the agency of this bank. 5. Central banks also serve as financial safeguards in combating financial crimes that contribute to national tax leakages such as money laundering, terrorist financing and other threats to the integrity of the international financial system that adversely affect the country.

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Central bank play an important roles to control financial issues and manage the complicated economic. There are several functions of central banks which are; 1. Central bank is the main centralized monetary institution that to maintain internal and external monetary stability by recording any transactions made. It is also a benchmark of financial sovereignty of the country. 2. Central bank also responsible for formulation of credit policy of the country, they have the right to tighten policy or vice versa depending on the economic situation of the country. 3. To ensure the financial stability or money supply of the country by lowering rates 4. Central banks also play a role in managing and regulating currency exchange rates because all the foreign exchange transactions of a country are routed through the central bank of the country and all the expenses in foreign currency whenever required are incurred though the agency of this bank. 5. Central banks also serve as financial safeguards in combating financial crimes that contribute to national tax leakages such as money laundering, terrorist financing and other threats to the integrity of the international financial system that adversely affect the country.

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In my opinion, the central bank is important because it acts as the advisor to the government of Malaysia in terms of financial institutions. The central bank of Malaysia has several purposes mainly to help our country to promote monetary and financial stability. Mainly, the central bank of Malaysia acts as a banker to the country and manages all financial matters. Plus, the central bank also has more other major purpose such as to prevent unlawful activites such as money laundering by strictly monitoring unusual activities and by reducing the risks.

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In my opinion, the central bank is important because it acts as the advisor to the government of Malaysia in terms of financial institutions. The central bank of Malaysia has several purposes mainly to help our country to promote monetary and financial stability. Mainly, the central bank of Malaysia acts as a banker to the country and manages all financial matters. Plus, the central bank also has more other major purpose such as to prevent unlawful activites such as money laundering by strictly monitoring unusual activities and by reducing the risks.

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According to my perspective, central banks, as in Malaysia, are important because their primary function is to issue currency, act as banker and adviser to the government of Malaysia, and regulate the country's financial institutions, credit system, and monetary policy, among other things. In other words, it is important as a vital component of a country's economic and financial system. The central bank is also significant since it serves as an independent body that is in charge of controlling, regulating, and stabilising the country's monetary and banking structure, as well as ensuring the country's financial stability.
Furthermore, central banks also play a critical role in safeguarding the long-term stability of the economy and financial markets. As an illustration, they pursue a low and stable level of inflation through monetary policy implementation. Following the global financial crisis, central banks have increased the number of tools in their toolkits to cope with threats to financial stability and to control volatile exchange rates, among other things. Because of this, it is possible to think of a central bank as a financial entity that is responsible with monitoring and overseeing a country's monetary system and monetary policy.

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Central bank is important because central bank is used to promote monetary stability and financial stability that able to increase the growth of Malaysia. Also, central bank used as the last resort of funding when commercial bank unable to lend money to borrowers. Thus, the central bank able to prevent the country's banking system from failing. Central bank is also act as the regulatory authority of a country's monetary policy and also a sole provider and printer of coins and notes in circulation. Central bank is important as it mandated by maintaining low inflation and steady GDP growth.

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Central bank is important for financial stability in the economy. They are the ones who regulation all the commercial banks, issues government securities, combat situation of inflation and deflation through effective monetary policy. Central bank held reserves to safeguarding the value's currency.  Economic are influence with Central bank's decision. 

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Central bank is important for financial stability in the economy. They are the ones who regulation all the commercial banks, issues government securities, combat situation of inflation and deflation through effective monetary policy. Central bank held reserves to safeguarding the value's currency.  Economic are influence with Central bank's decision. 

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In my opinion, central bank is important to our country. First, issuing national currency and keeping reserves to maintain the value of money. Next, ensure financial stability and good financial structure. Influencing financial credit is always in a good position in the interest of the country. Other than that, act as a banker and financial advisor to the government. Central bank also control interest rates for all monetary policies. They also act as the last lender for financial institutions to the banking sector in the event of a financial crisis and ensure that no fraud (scam) or corruptions occurs through banks and financial institutions in Malaysia.

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Throughout reading the article, I can understand the important of a central bank. Central bank main purpose is to promote monetary and financial stability where it providing a conducive environment for the sustainable growth of the Malaysia economy. In the first article, we can see the central bank international reserves stand at US$116.1bil. this amount of international reserves held by the BNM are use for precautionary purpose in order to facilitate international trade and financial transactions. Second article, we can see that BNM is expected to tighten its monetary policy in 2022, due to contain inflationary pressures arising from the depreciation of ringgit. BNM action towards this issue can enhance and strengthen the foundation for sustainable growth in the medium and longer term.

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International reserves are funds central banks exchange with each other on an international level to ensure that a central government agency has backup funds if their national currency rapidly devalues.

The major role of BNM is to promotes monetary and financial stability conducive to the sustainable growth of the Malaysian economy.

Bank Negara Malaysia plays as overseer in ensuring the safety, reliability, and efficiency of payment systems infrastructure, and to safeguard the public's interest. As an overseer, Bank Negara Malaysia formulates regulatory framework and conducts oversight on both large value and retail payment systems.

Sept 15, 2021 from US$111.3 billion as at Aug 13, 2021 and now stood at US$116.1 billion (RM482.28 billion) as at Oct 29.

Foreign currency reserves stood at US$103.3 billion, up slightly from US$102.4 billion previously, while its International Monetary Fund (IMF) reserves position remained the same at US$1.4 billion, same as special drawing rights (SDRs) and gold, while other reserve assets fell slightly to US$3.1 billion from US$4.1 billion.

Reference from “BNM’s International Reserves Risen to US$116.2b as at Sept 15, 2021 | The Edge Markets.” The Edge Markets, 23 Sept. 2021, https://www.theedgemarkets.com/article/bnms-international-reserves-stood-us1162b-sept-15.

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KUALA LUMPUR (Sept 23): Bank Negara Malaysia's (BNM) international reserves had risen slightly to US$116.2 billion (about RM486.88 billion) as at Sept 15, 2021 from US$111.3 billion as at Aug 13, 2021.

In a statement today, the central bank said the reserves position is sufficient to finance 8.1 months of retained imports and is 1.3 times total short-term external debt.

BNM said foreign currency reserves stood at US$102.4 billion, up slightly from US$102.3 billion previously, while its International Monetary Fund (IMF) reserves position remained the same at US$1.4 billion.

Meanwhile, Special Drawing Rights (SDRs) amounted to US$6.1 billion, a significant increase from US$1.2 billion, whereas its gold position was maintained at US$2.2 billion, while other reserve assets fell slightly to US$4.1 billion from US$4.2 billion.

Assets comprising gold, foreign exchange (forex) and other reserves, including SDRs, amounted to RM483.27 billion, up from RM462.64 billion, while Malaysian government papers increased slightly to RM11.33 billion from RM11.22 billion.

Meanwhile, deposits with financial institutions rose to RM912.03 million from RM727.36 million, while loans and advances increased to RM22.28 billion from RM20.35 billion. Land and buildings remained at RM4.16 billion, while other assets grew to RM15.93 billion from RM15.79 billion.

Capital and liabilities comprising paid-up capital amounted to RM100 million, reserves rose to RM185.17 billion from RM184.86 billion, currency in circulation increased to RM145.49 billion from RM143.72 billion and deposits by financial institutions increased to RM141.95 billion from RM138.77 billion, while federal government deposits fell to RM15.85 billion from RM20.11 billion.

Other deposits grew to RM8.72 billion from RM5.86 billion, BNM papers fell to RM7.04 billion from RM8.5 billion and allocation of SDRs increased significantly to RM28.84 billion from RM7.98 billion, while other liabilities reduced slightly to RM4.73 billion from RM5 billion.

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BNM's international reserves risen to US$116.2b as at Sept 15, 2021

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Bank Negara Malaysia's (BNM) international reserves had risen slightly to US$116.2 billion (about RM486.88 billion) as at Sept 15, 2021 from US$111.3 billion as at Aug 13, 2021. In a statement today, the central bank said the reserves position is sufficient to finance 8.1 months of retained imports and is 1.3 times total short-term external debt.

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From my opinion, the importance of central bank is issuing money to avoid inflation. Central bank are responsible for issue money and coins and ensure people faith in notes which printed. For example, printing money too much can cause inflation.

Moving to the next point, central bank also playing important role where they are responsible for bringing about financial system stability and fostering a sound and progressive financial sector. There is now a well-diversified, comprehensive, and robust financial sector in place, capable of meeting the increasingly sophisticated demands of consumers and companies, and which has turned into an economic growth driver.

Others, the central bank also serves as a banker and consultant to the government, advising on macroeconomic policy and managing the national debt. It is also the country's only authority for currency issue and maintaining international reserves.

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Every nation or region has a central bank that responsible to stabilize the financial matter of a nation. Central bank play important roles nowadays in Malaysia as we gradually recover from the outbreak of Covid-19. In the article, Bank Negara Malaysia(BNM), central bank of malaysia stated the action to make the nation stable again. The popular issue was about the unemployment, BNM will handle the matter and the gross domestic product (GDP) also will be relieve. Moreover, in one of the article stated, BNM is able to finance 8.1 months of retained imports and is 1.3 times the total short-term external debt. This shows how determined BNM to make Malaysia back to stable.

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The central bank's role is to promote monetary and financial stability. This is done to create a favorable environment for the Malaysian economy's long-term growth .The central bank's monetary policy stance is to maintain price stability while supporting growth. Bank Negara Malaysia is also in charge of the financial system's stability. Central Bank has played an important developmental role in advancing the financial inclusion agenda by developing the financial system infrastructure. This is to ensure that financial services are available to all economic sectors and segments of society. Furthermore, Central Bank oversees the nation's payment system infrastructure, with a focus on the efficiency and security of financial systems. Central Bank Of malaysia, as the government's banker and adviser, advises on macroeconomic policies and public debt management.. The central bank is also the sole authority in terms of issuing national currency and managing the country's international reserves.

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The central bank's role is to promote monetary and financial stability. This is done to create a favorable environment for the Malaysian economy's long-term growth .The central bank's monetary policy stance is to maintain price stability while supporting growth. Bank Negara Malaysia is also in charge of the financial system's stability. Central Bank has played an important developmental role in advancing the financial inclusion agenda by developing the financial system infrastructure. This is to ensure that financial services are available to all economic sectors and segments of society. Furthermore, Central Bank oversees the nation's payment system infrastructure, with a focus on the efficiency and security of financial systems. Central Bank Of malaysia, as the government's banker and adviser, advises on macroeconomic policies and public debt management.. The central bank is also the sole authority in terms of issuing national currency and managing the country's international reserves.

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BNM is a central bank of Malaysia which is created to promote Malaysia monetary and financial stability. BNM is a sole authority in issuing the national currency and in managing the country international reserves and it is also responsible in implementing initiative to deepen and strengthen Malaysia financial market. BNM is the authority which will determine the monetary policy that will be used by all financial and bank institution in Malaysia. On the other hand, BNM also play a big role in monitoring and investigate illegal financial activities such as money laundering, terrorism financing and proliferation financing in Malaysia.

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In my opinion, central bank is important to our country. This is because central bank promote monetary and financial stability. It responsible in financial policy to get the low and stable inflation. During this global financial crisis, central bank have enlarge their toolkits in purpose of dealing with the possibility to financial stability and arrange the capricious exchanges rate the lead to unstable financial to our country. Central Bank responsible in nation's monetary policy and supply. It also operate on a micro-scale, manage the ratio of commerce banks. Plus, central bank act lender last resort when it is needed.

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Central Bank are essential institutions which typically focused on keeping prices stable, maximizing employment, and helping a country’s economy grow. They have to ensure stability of the financial systems in the economy by monitoring lending standards across the economy very closely, as well as making sure that there is easy access to credit when required. They also are the lender of last resort to commercial banks and the government. So when the government requires money and there is no other way or access to the necessary funds, the central bank can be that lender of last resort. Other than that, Central Bank is the setting monetary policy. Monetary policy has a wide array of individual tools, and the key one is setting interest rates. Lower interest rates mean easier access to credit for households, businesses and anyone in the economy who needs a loan. Higher interest rates mean the opposite which it is more expensive and limited access to credit. When economic times are tough and there is slower economic growth, central banks have the responsibility to reduce interest rates to make sure that there is easier access to credit in the economy.

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Read the following news article. Briefly explain one lesson you can learn from this news article - relate it with Chapter 5.

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Malaysian capital markets remain vibrant, gross funds raised increased 16.3% to RM163b as at July 2021

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KUALA LUMPUR (Oct 29): Malaysia’s capital markets remained vibrant, with gross funds raised increasing by 13.4% to RM163 billion as at the end of July 2021 from a year ago, according to the Economic Outlook 2022 Report published by the Ministry of Finance (MoF) on Friday.Fundraising activities in th…

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Read the following news article. Briefly explain one lesson you can learn from this news article - relate it with Chapter 5.

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Malaysian capital markets remain vibrant, gross funds raised increased 16.3% to RM163b as at July 2021

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KUALA LUMPUR (Oct 29): Malaysia’s capital markets remained vibrant, with gross funds raised increasing by 13.4% to RM163 billion as at the end of July 2021 from a year ago, according to the Economic Outlook 2022 Report published by the Ministry of Finance (MoF) on Friday.Fundraising activities in th…

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Hello everyone! My name is Syurah. I do choose Meena from Sing as my cartoon character because I think we have a same personality. Meena is kind, honest and shy person. She is willing to help others without expecting anything. She is brave because she dared to show her ability to sing although she is very shy and lack of self confidence.. An this resemble my personality, I am Syurah and it was nice to know you all.

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I do agree with the article, because it clearly stated that although the current pandemic is affecting the country but the bank still can manage the situation. Bank are able to conduct the financial conditions and supporting the economic recovery. This proves that the banking sector is able to cope with current situation even in a bad economic situation.

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The article stated that Malaysia's capital market remained vibrant during the pandemic. Bond also benefited from international investors with a higher risk appetite seeking out higher return fixed-income assets. The benefit that can be seen on this article are high risk and high return. High-risk may offer the chance of higher returns than other investments might produce, but they put your money at higher risk. This means that if things go well, high-risk investments can produce high returns.

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As can be seen, Malaysian capital markets are still thriving in 2021, providing opportunities for all investors, including overseas investors. It demonstrates of an improvement in capital market fundraising operations, with Malaysian bonds benefiting from international investors with a stronger risk appetite looking for higher return fixed-income assets in emerging nations. While corporate bonds had AAA-rated, AA-rated, and A-rated securities with a 5-year maturity. The lesson we can learn from it is that now is the best moment to put our money in the market in order to get a greater return. The difficulty is that if you want a higher return, one must be willing to accept risks, or one can buy government bonds, which are considered low-risk assets.

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After read this article, i do agree with domestic financial system which is still remain resilient against potential economic and financial shocks. However, Bank Negara Malaysia need to be more aware with unpredictable situation might happen in future. I am very happy that BNM have good alternative during this Covid-19 pandemic which is Repayment assistance programmer implemented deferred loan repayments that help mall and medium enterprises (SMEs) cope better. this is helping to temporarily support borrowers’ debt-servicing capacity, a more entrenched economic recovery remains key to restoring longer-term financial health of borrowers

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After read this article, i do agree with domestic financial system which is still remain resilient against potential economic and financial shocks. However, Bank Negara Malaysia need to be more aware with unpredictable situation might happen in future. I am very happy that BNM have good alternative during this Covid-19 pandemic which is Repayment assistance programmer implemented deferred loan repayments that help mall and medium enterprises (SMEs) cope better. this is helping to temporarily support borrowers’ debt-servicing capacity, a more entrenched economic recovery remains key to restoring longer-term financial health of borrowers

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Malaysia's capital markets remain vibrant which they raise long term funds on this market. The funds raised were mainly used to finance infrastructure projects, new business activities and working capital. In the face of solidifying bond rates in advanced countries where major central banks maintained an accommodating monetary policy stance against transitory inflation, Malaysian MGS and corporate bond yields were usually higher across all tenures. The lesson is we need to take challenge on investment. We cannot expect higher return for all time because the investor only choose good place to lend their money also property.

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Malaysia's capital markets remain vibrant which they raise long term funds on this market. The funds raised were mainly used to finance infrastructure projects, new business activities and working capital. In the face of solidifying bond rates in advanced countries where major central banks maintained an accommodating monetary policy stance against transitory inflation, Malaysian MGS and corporate bond yields were usually higher across all tenures. The lesson is we need to take challenge on investment. We cannot expect higher return for all time because the investor only choose good place to lend their money also property.

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Hello everyone ! :) My name is Rosmaria Roslan. So, I choose Anna as cartoon character that describe my personalities. Anna is friendly, optimistic, and hardworking person. She is optimistic and overenthusiastic, but can also be overprotective. Realistically, she has a series of good and bad personality traits based on situation. And I think I have same personality in which I am easily able to make friends with just about everyone.

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Based on the article, the Malaysia’s capital markets remained vibrant. It is because of the increases in gross funds at the end of July 2021. Where there’s a fundraising activities which involve the international investors. The article said that, it has a high risk when Malaysia’s markets receive an international investors yet it will lead to a higher return. This show Malaysia is a risk taker. In order to receive higher return they should be willing to take the risk. From this situation we can learn that, wanting a good things to happen we should not be afraid to face the challenges.

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From my perspective, I could not agree more with this article. Malaysia's financial system must maintain its economic and financial shocks while supporting economic recovery prospects remain uncertain due to the Covid-19 pandemic.

BNM, tasked with promoting monetary and financial stability that is beneficial to Malaysia's long-term prosperity. When a result, banks increased credit loss provisions in anticipation of asset quality deterioration as the repayment aid programmed was phased down, as indicated in the article.

Due to strict controls governing internal and international travel, this pandemic has had a detrimental impact on the commercial economy, particularly tourism. It is a greater danger for household borrowers, whose buffers must also be small to minimize losses.

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Yes, I agree with the article with how loan repayment help provided by banks has managed to help and support struggling family borrowers, avoiding possible harm to their finances and, as a result, the economy and financial system at large as a result of the epidemic. Though this contributes to the support on lenders' debt-servicing capability temporally,a much more solid economic stability is still needed in order to ensure borrowers' long-term financial health. I believe It is crucial to ensure that the Malaysia can withstand financial crises during the pandemic. Almost all economic parties have suffered significant losses as a result of the movement restrictions.

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Hello, everyone.

To begin, if I were to explain myself using a film character that reflects my personality, I would choose Harry Potter since both of us have the ISFP Personality Traits.

As is the case with most ISFPs, Harry Potter is initially impenetrable. Some see his zeal and unwavering commitment as stupid, while others sympathize with his intentions. He also dislikes being in the spotlight. He's ambivert but more introverted, preferring to ponder things over privately rather than out loud, and I promise I am not a nerd.

These characteristics describe most of my personality. My name is Siti Nurhazirah Izzati Binti Rodzli, and I want to apologize to Madam Ninalyn and fellow classmates for the late introduction.

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Hello everyone, my name is Elisa Edalyne Joel.

I choose Bubble The Powerpuff Girls as for my cartoon character that resemble me the most. The reason is I have the same personality traits with her and that is INFP. She is an idealistic, loyal to their values and to people who are important to them. Want an external life that is congruent with their values. Curious, quick to see possibilities, can be catalysts for implementing ideas. Seek to understand people and to help them fulfill their potential. Adaptable, flexible, and accepting unless a value is threatened. Also, Bubble is the type of overemotional, sensitive and loves animal.

I can see myself in her since I am loyal and understanding to the person that very important to me.  I am the most soft-hearted person and sometimes can be very emotional but always try to prove myself to be very tough and better.

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Based on the article, Malaysia's capital market remained strong even during the pandemic, as for the gross fund increased by 13.4% at the end of July 2021. The bonds that raised in Malaysia were higher across all tenures and in advanced economies which the BNM maintained the monetary policy stance over the transitory inflation.  The bonds also benefited from international investors with a higher risk appetite seeking out higher return fixed-income assets in the emerging markets. From my point of view, to be involve with investment we have to be brave enough and have confidence with our decision when taking a risk. Along with that, we must be observant and knowledgeable so that any issues or challenges that happened unexpectedly can be handle well. The bigger the risk, the greater the income.

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The article said that Malaysia capital market remain strong in 2021/2022. and one thing i learn from the article is there are significant replenishment in Malaysia capital market including Bond and Equity. although Malaysia still facing the economic effect due to the covid19, Capital bond inflows can still reach RM20.8 million which is benefited from the international investor. while, Equity capital market reach RM1.8 million through new issuance of IPO form the digital service sector.

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Hello everyone, my name is Mohd Aizat Syauqie Bin Suppary. I choose charlie brown to resemble my personality because i'm a real go-getter and are always up for a challenge, unfortunately i have the worst luck and things don't always go my way. Like charlie brown, i can sometimes be a little bit shy and don't always believe in myself which is a shame because i am extremely kind, good and deserve all the best things.

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In my perspective, I agree with the statement that Malaysia's commercial sector would gradually return in 2021; nonetheless, the tourist industry remains problematic since we still need our people to be properly vaccinated. I believe that industries such as banking and insurance can withstand the high stress since the economy has reopened and they have enough existing profit buffers to minimise future losses.

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In my perspective, the central bank is significant because it has the exclusive right to supervise the creation and distribution of money and credit for the country. It aids in the implementation of monetary policy in order to ensure price stability and to control economic swings. They use monetary policy to achieve minimal and steady inflation. The central bank is critical in ensuring that demand and supply money are properly adjusted.

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The article taught me how the government executes plans in order to attain the goal of maximising profits and getting funds for the sake of capital market stability. The government used the funds obtained to fund new initiatives and business activity, which resulted in favourable returns. This demonstrates that the goal is met even when the economy market is confronted with difficult circumstances but continues to learn and adapt to the situation.

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According to the article, Malaysian capital markets remain vibrant, indicating that the developing market is growing. Typically, a developing country such as Malaysia expands its domestic firms into the global market. The Ministry of Finance stated in the article that the funds raised will be used to finance infrastructure such as business activities. This demonstrates their desire to provide people with opportunities to generate income while also improving the country's economy. Aside from that, maintaining an accommodating monetary policy stance on temporary inflation is critical for a country seeking good market capitalization.

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Based on the news article given, one lesson that i can learn is to be brave and bold in making decisions, in other words, being a risk taker person. In order to achieve greater return, we must dare to take the risk as there will always be challenges. The article stated that the Malaysian capital markets remain vibrant and gross funds raised increased even though the economic sector is still healing from the current pandemic.

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Based on the article, there is said that the central bank have to tightening their monetary policy to soften the USD. In my point of view, the central bank is significant as it help in monitoring financial matters and ensuring the stability of the economic of a country.  It also plays an important function in implementing initiatives to deepen and strengthen the financial markets, including the foreign exchange market. For example, Bank Negara Malaysia has played a significant developmental role in developing the financial system infrastructure in advancing the financial inclusion agenda. This is to ensure all economic sectors and segments of the society have access to financial services.

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Hello everyone, nice to know all of you. My name is Leanna Lindsey. I choose Ariel because I found that she and I have a similarity, a kind hearted, bright, spirited, a bit headstrong and have a strong passion for adventure and exploration. For me, I love adventures, experiencing new thing and doing extreme activity. I described that I’m a bit headstrong because, even though my parents not allowed me to go on to do extreme activities and stuff that seems dangerous (to them) I barely listened, because YOLO and I believe that the best education is by experience.

That’s all from me. Stay safe, stay healthy, stay happy, I hope that we will get along well, help each other throughout this semester and get a flying colour result.

Thank you for reading, have a nice day. 😁