02 October 2022

In Numbers: An Overview of Malaysia's Insurance and Reinsurance Industry

The insurance and reinsurance sector is a significant catalyst for many nations’ economies, including Malaysia’s. Get to know more about our insurance and reinsurance industry with these concise facts and statements below — captured in numbers.


  • What is the minimum amount of capital legally required for a reinsurance company in Malaysia?
  • RM 10 million 😨

Malaysia’s insurance companies and reinsurance institutions make up the reinsurance industry which plays a crucial role in maintaining the financial stability of insurers.

28 September 2022

Why SecureTAC is better than SMS TAC ?

Being one of the 5 measures (click here to read) which were highlighted by BNM to safeguard online banking users, financial institutions were advised to move away from using SMS TAC (or SMS OTP) to a more secure and better method.


The largest bank in Malaysia, Maybank, said that it will fully migrate to a more secure authentication method via Secure2u by June 2023, from SMS one-time password (OTP), to heighten online banking security.

Obviously, this is in line with BNM’s steer for banks to migrate from SMS OTP to more secure authentication for online banking transactions, Maybank said in a statement.

Wait.

Firstly, tell me what is a TAC?

26 September 2022

BNM: 5M and 3S to Combat Scams

Scams and cybercrimes have been on the rise of late, not just in Malaysia but all around the world. This is a concerning development which Bank Negara Malaysia (BNM) takes seriously.

This is especially so where these cases concern financial scams. Efforts to combat financial scams have been taken, including rolling out preventive measures, pursuing more effective and coordinated enforcement actions, and raising public awareness.



BNM requires banks in Malaysia to adopt high standards of security, especially for Internet and mobile banking services.

From time to time, BNM also issues security advisories to the financial industry highlighting the latest modus operandi (tactics) of scammers and additional security measures that banks need to implement to protect their customers' savings.

18 September 2022

How to automatically top up my e-wallet with Maybank account?

Do you feel uncomfortable logging into your Maybank2u in public? πŸ‘€ We feel you. Keep your login details safe from the public eye when you top up your eWallets and make a secured direct payment with your linked account while you’re out and about.


Actually, you can link your Maybank2u with selected e-wallets for a faster and seamless way to top up your e-wallet without needing to log in to your online banking every time. Yeah! No need to log in again 😍

Oh I see... Now only I know that. This is especially useful for lazy people like me 🀣🀣🀣

Read below here lah...

01 September 2022

Top 4 Industries that are Worth Investing In currently

The time value of money states that ‘a dollar today is always worth more than a dollar tomorrow’ — only if you invest that dollar to grow its value instead of stashing it away in your wallet!


Investing your money can increase its value in the long run due to its earnings potential in the interim. Investing is a great way to build your personal wealth and financial stability in the long run.

So, what are some types of Malaysia investment companies and industries that are worth investing in?

10 August 2022

Who are the Seven Malaysian companies inside the 2022 Forbes Asia's Best Under A Billion list?

As Covid-19 restrictions ease across the Asia-Pacific and people adapt to the new normal, this year’s Forbes' annual Best Under A Billion list highlights the shift to discretionary spending.


While healthcare and pharmaceutical-related companies were standouts last year, the post-pandemic return to daily life has benefitted apparel makers, mall operators, restaurants, consumer electronics and entertainment companies, among others.


Forbes' coverage of Asia's Best Under A Billion 2022, highlights the 200 Asia-Pacific public companies with less than $1 billion in sales and consistent top- and bottom-line growth.

Wow. SEVEN representatives from Malaysia wor?
Who are they? (with a little bit of their background here...)

04 August 2022

Key Highlights of the 2022 Fortune Global 500 (including Malaysia's)

On Aug 3, FORTUNE announced the Fortune Global 500 list for 2022, ranking the world's largest corporations by revenue for fiscal 2021.

Walmart claims the top spot for the 9th consecutive year, and for the 17th time since 1995. Saudi Aramco (No. 6) reclaims its title as the world's most profitable company, with $105 billion in earnings.


Companies are ranked by total revenues for their respective fiscal years ended on or before March 31, 2022. All companies on the list must publish financial data and report part or all of their figures to a government agency.

Are you ready to know more?
Chinese companies outnumbered the US?
Any representative from our boleh-land Malaysia?


THE 2022 FORTUNE GLOBAL 500 TOP 10 LIST:

31 July 2022

Higher interest rate doesn't bode well for local REITs, except this one...

Raising interest rates will likely be the main monetary policy tool for many central banks over the next 6 - 12 months, as global inflation worsens. Locally, there could be one more OPR hike in the remainder of 2022 after the previous two rate hikes totaling +50bps bringing the OPR to the current level of 2.25%.


Fyi, the current mortgage rates are around 3.15%. Of course, a higher mortgage means higher financing costs for the REIT sector, which will lead to earnings being compressed. (Click here to read more about REIT-related articles)

The type of loan is the determining factor...

12 July 2022

Purchase Insurance/Takaful via EPF i-Lindung Platform? Read here...

Do you know that our EPF account can do many things? Not only that we can do special withdrawals (limited time offer only lah, now no more...), invest in approved unit trust schemes, buy a house, reduce the housing loan balance, and now... we can buy insurance/takaful also πŸ˜ƒπŸ˜ƒπŸ˜ƒ


(Before we proceed further, I would like to remind you that our EPF money is primarily meant for our retirement ya. Please bear this in mind before we make any EPF withdrawals πŸ‘€)

So, what is EPF i-Lindung platform? πŸ™ŒπŸ™ŒπŸ™Œ

11 July 2022

How Does Overnight Policy Rate (OPR) affect Inflation?

"Inflationary pressures have continued to increase, mainly due to elevated commodity prices and strong demand conditions, despite some easing in global supply chain conditions."


"Consequently, central banks are expected to continue adjusting their monetary policy settings, some at a faster pace, to reduce inflationary pressures," Bank Negara said in a statement after hiking the benchmark OPR for the second time this year to 2.25% (May +25bps and July +25bps).

The last back-to-back hike was May-Sept 2010.

The Inflationary Pressures... πŸ’’πŸ’£

09 July 2022

The Role of Overnight Policy Rate (OPR) in BNM's Monetary Policy

Fuiyoh, the interest rate is creeping up again, rebounding from the record low level of 1.75% OPR during the pandemic lockdown period. What is that OPR? What is monetary policy?


Lately, many people are arguing that this is not a good time to hike interest rates amid the rising cost of living (high inflation) and our economy is not yet fully recovered. πŸ’’πŸ’£

In this article, let us understand the role of OPR in our economy here...

Overview of Monetary Policy in Malaysia

23 June 2022

Underwriting Risk in the Reinsurance Industry

Every insurance claim entails a certain amount of underwriting risk for the insurance company, which can be mitigated by the underwriting process.

Read more here.


Underwriting Risk in the Reinsurance Industry

When we submit an insurance claim in the event of an accident, injury or disastrous event, how does the insurance company determine the amount to be compensated to the insured?

In disastrous events such as floods or fires, does the company have enough to pay for all the insurance claims? Every insurance company faces underwriting risk with every insurance claim, which can be mitigated by an underwriting process.

THE UNDERWRITING PROCESS EXPLAINED

09 June 2022

Can TOP GLOVE weather the effects of NORMALISATION by falling from the sky?

In less than 2 years' time, Top Glove Corp Bhd's quarterly profit went from a historical high of RM2bil to a mere RM15.3mil in their latest quarter. 😭😭😭


Today, 9 June 2022, Top Glove announced its financial results for the 3QFY2022, delivering quarter-on-quarter growth in Sales Volume, despite prevalent challenging market conditions amidst the normalising trend.

Key highlights here:

05 June 2022

[Investment Scam] How to Spot and Prevent Imposters from Adding me to Telegram Groups?

Did you know that scammers can add you to a channel or a group depending on your Telegram settings? πŸ‘€

Just because the members of the group chat are actively interacting with one another, it doesn’t mean that the account is “real”.


The most common type of scam is get-rich-quick-schemes a.k.a skim cepat kaya which promise exorbitant returns that are guaranteed. 

It is essential to recognize the common patterns of scams to avoid being a victim. Don’t get tricked on Telegram. We come across a very insightful post from AffinHwang Asset Management and think that this will be beneficial to our readers here too.

Here are some ways to stay safe online and not get scammed by imposters:

01 June 2022

Why Genting Berhad’s associate --- TauRx Pharmaceuticals Ltd --- looks so Promising?

While the company was incorporated in 1968 and listed in 1971, the Genting Group was founded in 1965 when its founder, the late Tan Sri Lim Goh Tong started the journey to realise his vision of building a mountaintop resort in Malaysia.

Since then, the group is involved in leisure and hospitality, oil palm plantations, power generation, oil and gas, and property development.



A new breath of life is coming...

Let's welcome to the new era led by his son Tan Sri Lim Kok Thay, who steers the group forays into new industries such as life sciences and biotechnology. And, the new ventures are beginning to yield positive results now.

New drug to treat Alzheimer’s ???

31 May 2022

SC Exposes the Modus Operandi of Clone Firms and here you go...

The Securities Commission Malaysia (SC) today disclosed the findings of its investigation into 10 clone firm scams, to arm investors with greater awareness on the modus operandi of these scams in order to spot and avoid them.


What is a Clone Firm Scam?

Clone firm scams are generally companies that fraudulently impersonate a legitimate or a licensed entity, including misusing the name and logo of a public listed company (PLC), corporate credentials and website, to dupe investors and solicit funds.

[[[ Read also 😎 ]]] SC: Beware of Clone Firm Scams 

Oh right.
What is the modus operandi of those scams?

18 May 2022

Malaysia’s first-ever contactless ATM cash withdrawal service offered by Maybank

"Other than cash money, I don't want to touch anything else!" 😁

If you're this type of person, good news to you. Haha. Maybank has added yet another pioneering service in its digital bank offering by introducing the first-ever contactless ATM cash withdrawal service in Malaysia.


Customers can use this service at some 1,000 ATMs, which will indicate the availability of the contactless cash withdrawal service at the machine. Eventually, this service will be made available at all Maybank-owned ATMs.

How do I get started?

08 May 2022

Background Check on all the Winners of Malaysia’s Digital Banking Licenses

After we've written about the anticipated BNM announcement on Digital Bank license winners, many are curious & wondering why the hottest candidate Grab's name was not on the list?

What? Leading fintech/superapp company Grab is not one of the winners in getting the digital bank license in Malaysia? No worry... Hold on...


In this article, we will be highlighting the company background of all the FIVE digital bank winners (groups/consortiums).

Out of the 5 winning consortiums, 3 of them are majority-owned by
Malaysians, namely Boost Holdings + RHB Bank Berhad; Sea Limited + YTL Digital Capital; and KAF Investment Bank.

For more details, here you go...

29 April 2022

(Serba Dinamik) Resumption of Trading starting 9 May 2022... But, ...

Reference is made by Bursa Malaysia Securities Berhad on 22 October 2021, wherein a directive was issued to Serba Dinamik (SERBADK) to announce the findings from the Factual Findings Update dated 30 September 2021 (“FFU”) (“Bursa’s Directive”).

Arising from SERBADK’s failure to comply with Bursa’s Directive, Bursa Securities had on 27 October 2021 suspended the trading of SERBADK’s securities.


Subsequently, Bursa Securities had also sought to enforce Bursa’s Directive via legal action commenced pursuant to Section 360 of the Capital Markets & Services Act 2007 where the High Court had on 7 February 2022 granted an order to compel SERBADK to, among others, comply with Bursa’s Directive (“Order”).

SERBADK’s efforts to stay the Order pending its appeal had been dismissed by the High Court and the Court of Appeal on 14 February 2022 and 11 April 2022 respectively.

Bursa Securities wishes to draw investors’ attention to SERBADK’s announcement dated 21 April 2022, entitled “Court Order Dated 7 February 2022” (“Announcement”) where SERBADK had announced, among others, the findings from the FFU in accordance with the Order. This is in compliance with Bursa’s Directive.

Therefore, Bursa Securities will be uplifting the suspension of trading of SERBADK’s securities on 9 May 2022 at 9.00 am. Please refer to Listing Circular dated 29 April 2022 for further details.

CLARIFICATION ON SERBADK’S ANNOUNCEMENT

Here are the 5 Digital Banks of Malaysia (with Boost getting the license)

Finally, wait until neck already looooooong πŸ¦’πŸ¦’πŸ¦’ the winners of the most anticipated digital bank licenses in Malaysia were announced by Bank Negara Malaysia (BNM) today (29 April 2022).

This will mark the new chapter of the local banking industry and also the Fintech industry in Malaysia. We promised that we will be blogging more about Fintech / Digital Bank from now onwards. 😊


All 29 applications received were thoroughly assessed by BNM, which cover the character and integrity of applicants, nature and sufficiency of financial resources, soundness and feasibility of business and technology plans as well as ability to meaningfully address financial inclusion gaps.

Who gets it?
What to expect?

25 April 2022

(Online Banking) Which one is FAKE?

This is a very important message to alert all mobile/online banking users. A viral message was circulating on various social media recently to alert bank users to be careful when making online payments/transfers.


In order to give our readers a clearer picture, we have prepared these pictures here side-by-side.

Here are the two examples of online payment landing pages.
Do you know which one is Real? Which one is Fake?

Answer ______ ?

24 April 2022

Why SC lodges Police Report against Serba Dinamik?

Thinking that the saga will be ending very soon after the recent RM16 million compound issued by the Securities Commission to Serba Dinamik Holdings Bhd and four of its top officials?

Hmmm... Not so soon... Why?


"Since May 2021, there were numerous press reports portraying the company in a negative light. A large number of the press reports concern the actions taken by Bursa and the SC against the company."

"Many of the company’s trading partners had imposed difficult terms on the company for continuation of business dealings. The lenders who had given revolving facilities had suspended the use of these facilities. Essentially, the company was placed in a quagmire," as stated in the Serba Dinamik's company announcement statement on 21st April 2022.

How many pages of the announcement?
Answer: Total 26 pages

The latest twist of the saga is here today (Yeah! Sunday. This is very odd for SC to issue a media statement on Sunday!) πŸ‘€πŸ’£

Below is the media statement issued by SC today!

17 April 2022

How many and why people apply for EPF Special Withdrawal? Here are the statistics...

The Employees Provident Fund (EPF) announces that as of 8pm on 14 April 2022, it has received a total of 5.3 million applications under the Special Withdrawal facility after it was opened to members on 1 April 2022.


The total number of applications is equivalent to
RM40.1 billion. The payments will be made in batches, with the first batch set to commence from 20 April 2022.


(We have prepared a nice infographic below...) πŸ˜€πŸ˜

Based on feedback from members applying for the facility, the three top reasons for applying include:

13 April 2022

SC Imposes Maximum Compound against SERBA DINAMIK?

13 April 2022  |  Kuala Lumpur

The Securities Commission Malaysia (SC) today, with the written consent of the Public Prosecutor, and pursuant to its powers under Section 373(1) of the Capital Markets and Services Act (CMSA), compounded Serba Dinamik Holdings Berhad (Serba Dinamik), its chief executive officer, executive director and two officers for a sum of RM3 million each.


This follows the decision of the Public Prosecutor to accept the representation made to the Attorney-General’s Chambers by Serba Dinamik and the individuals involved regarding the charges pending in court.

Is this the maximum amount?
Who gets another compound?


12 April 2022

How to Qualify for ECF Tax Incentive in Malaysia?

We heard you. πŸ‘‚πŸ‘‚

Many ECF investors are questioning why we cannot see the new ECF tax incentive category for ECF investments in the e-BE form when e-filing our income tax this year? Are you wondering the same also?


#Throwback
[Crowdfunding] What is Equity Crowd Funding (ECF)?

Let's find out the answer here...

11 April 2022

ePemula: Which is the best e-wallet to claim my RM150?

The ePemula programme is one of the initiatives announced under Budget 2022 which aims to :
  • Lighten the burden on youth’s expenses;
  • Encourage cashless spending by youth; and
  • Increase the adoption of cashless transactions by brick and mortar businesses
  • This programme is expected to benefit approximately two (2) million eligible Malaysians, with an allocation of RM300 million
  • Each recipient is eligible to claim an e-wallet credit of RM150
  • The claim period for the ePemula credit is from 11 April to 1 June 2022 and the credit can be spent until 10 June 2022
Money money home, who is the best e-wallet for me to claim RM150 home πŸ‘€πŸ’­

08 April 2022

RM150 e-wallet credit under e-Pemula / e-Start

As per the 2022 Budget announcement, a total of RM300 million will be allocated to benefit around 2 million youths via an e-tunai initiative called e-Pemula or e-Start.


Youth who are qualified will be receiving e-tunai credit as much as RM150 each, via their chosen e-wallet which will kick off in mid-April. Which e-wallet is available for us to choose from? Who is qualified to get the RM150? How to apply?

01 April 2022

[ GOpinjam by Touch'nGo ] Read this 15 points first before you go 'Pinjam' !!!

As the world is evolving digitally nowadays, everything is made simple and convenient with a simple click on your smartphone.

Basically, via an e-wallet as popular as Touch'nGo, you can do wonders with your fingers from making payments, transferring money to friends, paying for toll & parking, ordering groceries & foods & drinks, and paying utility bills, and so on...


Now, you can 'pinjam' (borrow) money also...
  1. What is GOpinjam?

24 March 2022

pitchIN to launch Secondary Market and IEO platforms in year 2022

How can it be more exciting than getting two regulatory green lights within one month? ✌ The year 2022 will be a big year for pitchIN.


In early March 2022, SC gave in-principle approval to pitchIN’s Secondary Market. On 23 March, pitchIN was announced as one of two Initial Exchange Offering (IEO) platforms in Malaysia. 😍 (Click here to read more about IEO in Malaysia)

The Journey since 2016...

pitchIN CEO, Sam Shafie

23 March 2022

What is Initial Exchange Offering (IEO) in Malaysia?

I believed everyone of us here already knows what is Initial Public Offering (IPO), especially if you're one of our long-time followers here. 😁 Now, in this new era, we cannot dunno what is Initial Exchange Offering (IEO) lol. Am I correct?


What is IEO?

15 March 2022

1,000% Returns within 24 hours? Read here!!!

100% returns within 24 hours?
Too slow already lah.
What about 1,000% returns within 24 hours?
Sure bo?


If interested, kindly click this link to join our Telegram group. Wait no more, this group not everyone can join ya, only for those who receive this invitation!

Read here...

13 March 2022

Maybank Home2u ~ Instant Loan Approval?

Are you looking to purchase a new house?
Wondering about your loan eligibility amount?
Concerned about the tedious process of applying for a home loan?


No worry. This new service from Maybank may come to your rescue. It's definitely a piece of good news to lazy people (like me 😁)

Your Solution to Faster and Simpler Home Financing

09 March 2022

Top Glove's 2QFY2022 Result ~ Steady Volume Growth?

Top Glove Corporation Bhd today announced its financial results for the Second Quarter ended 28 February 2022 (2QFY2022), delivering steady volume growth despite the challenging business landscape, as the industry transitions to an endemic stage.


Key Highlights of the Financial Performance

06 March 2022

What is PLC Transformation Programme and its 5 Pillars?

“As one of the key drivers towards building a resilient economy for Malaysia, it is more important than ever to empower PLCs to enhance their market competitiveness, so they can help grow and sustain investors’ interest in our capital market,” said YB Senator Tengku Datuk Seri Utama Zafrul Tengku Abdul Aziz.


What can we do?
What is the incentive?
Wow! Got books to study ah? πŸ˜†πŸ˜…

What does this PLCT programme is all about?

27 February 2022

Russia - Ukraine War: What does it mean to the Malaysian market?

Global financial markets, including FBMKLCI, tumbled last week after Russia launched a fullscale invasion of Ukraine. Russia, which has expressed its strong disagreement over Ukraine’s intention to join the North Atlantic Treaty Organisation (NATO), has warned the former founding member of the Soviet Union to renounce this ambition and accept its sovereignty over Crimea.


The million-dollar question now is whether this will evolve into a broader military conflict between nations or can be contained via tougher sanctions or resolved through Ukraine’s submission to Russian demands.

However, the Russia-Ukraine event has resulted in declines in US Treasury yields as investors dumped risk assets in favour of safe haven assets such as US Treasuries. At one time, the yield of the 10-year UST dopped circa 12bps to below 1.90%. Meanwhile, the crisis has also pushed the Brent crude oil to cross USD100/bbl for the first time since 2014.

What does it mean to the Malaysian market?

26 February 2022

Digital Banking ~ Will Traditional Banks go away?

Accelerating the digital transformation for financial services, BNM said it will issue up to 5 Digital Banking Licenses in 1Q 2022.

In addition to enabling the innovative application of technology in the financial sector, digital banks are expected to offer products and services to address market gaps in the underserved and unserved segments. This includes promoting suitable and affordable financial solutions by leveraging the innovative application of technology.


According to BNM, it has received a total of 29 applications from a diverse range of parties, ranging from banks, industry conglomerates, technology firms, e-commerce operators, FinTech players, cooperatives, and state governments. πŸ’’πŸ’’πŸ’’

Malaysia's market got potential meh?
Is it a very Profitable Business to venture into?


23 February 2022

8 Steps to Create your BNM eCCRIS Account 100% Online!

Honestly, I always think and feel that Bank Negara Malaysia (BNM) is one of the most efficient government agencies that continue to embrace best practices and keep abreast in this digital era.

(Fuyoh! Will BNM present an appreciation award to me? πŸ˜‚)


Coming back to the topic, BNM announced that effective 18 February 2022, Malaysian individual new users may now directly register for eCCRIS at eccris.bnm.gov.my.

NO physical presence is needed at Bank Negara Malaysia or Agensi Kaunseling dan Pengurusan 
Kredit’s (AKPK) premises for registration authentication. For sure, online registration is more convenient and safer for all of us.

Yes. It's 100% online! 😍

eCCRIS Online Registration Guide for New Individual Users
8 Steps to create your eCCRIS account online:

20 February 2022

Farm Fresh IPO listing ~ Delicious or Not?

One of the most anticipated IPO listing on Bursa Malaysia this year, Farm Fresh has been in the spotlight again lately after announcing that it has signed an underwriting agreement in conjunction with its initial public offering (IPO) on the Main Market of Bursa Malaysia Securities.


CIMB IB is the sole principal adviser and a joint global coordinator, joint bookrunner, joint managing underwriter and joint underwriter of Farm Fresh’s IPO.

Maybank IB is a joint global coordinator, joint bookrunner, joint managing underwriter and joint underwriter. Meanwhile, Affin Hwang IB, AmInvestment, Hong Leong IB and RHB IB are joint underwriters of the IPO.

About Farm Fresh Bhd

16 February 2022

An A.I. Driven Investing Platform ~ Kenanga Digital Investing (with Referral Code)

What is hindering you from investing? Maybe, the conventional way of investing is riddled with technicalities, exclusivity, hidden charges, and high fees, not to mention the long onboarding forms and lack of transparency. Is this your concern?



In fact, today, you no longer need to be a financial whiz to invest. What is the option available to you in this modern era? Answer: We can use technology to demystify conventional investing by having A.I. to take care of your investments round the clock, anytime, anywhere, even when you're sleeping.

Sure or not?
The word A.I. must be very expensive lol?


13 February 2022

6 Sectors that will be Benefited from the Reopening of Malaysia’s Borders

International borders re-opening? Yup, this is what echoed by the National Recovery Council’s proposal to re-open Malaysia’s international borders as soon as 1st March, without the need for compulsory quarantines, and it looks like coming sooner than expected by all of us.
 

Anyway, this move is in line with that of many countries which have already adapted COVID-19 policies, to move towards a state of endemicity. Of course, the re-opening of borders will definitely help to lift market sentiment and be a significant milestone in the normalization process.

Which sectors will benefit from the reopening of Malaysia’s borders?

08 February 2022

Hartalega's 3Q FY2022 Result ( with Good Dividend? )

Another quarter of declining revenue and profits for one of the world's largest glove makers - Hartalega Holdings Bhd. Anyway, wasn't it already expected by all of us? 🀣


For the quarter ended 31 December 2021 (Q3FY22), the Group registered a lower revenue of RM 1.01 billion, recording a decrease of RM 1.12 billion or 52.8% from the corresponding quarter in the preceding year (Q3FY21).

Profit before tax has decreased by RM 993.5 million or 73.8% to RM 352.4 million, as compared to RM 1.35 billion in Q3FY21.

What can we expect moving forward?

28 January 2022

Top 10 Property Developers in Malaysia 2021

Yeah! This project is launched by Malaysia's Top 5 Property Developer, that project is launched by the Top 8 Developer... Sounds familiar?

No doubt, this is the common slogan / title / header / copywriting posted by your property agent friends in order to attract your attention. πŸ˜†πŸ˜…


All of them also said that their project developer is one of the top, until I was also confused most of the time. Nevermind, after searching around, I got this list which I personally think makes sense to recognize as TOP 10 Property Developers in Malaysia 2021.

*Note: Developers in this list were arranged alphabetically.

Here you go: