The overall commercial loan servicer ranking on AMAL Asset Management Ltd. (AMAL) reflects the company's following key strengths: Its highly qualified and skilled workforce, including an experienced and qualified senior management team; Sound risk management and compliance practices, underpinned by a risk-management tool that meets industry best practices; Effective processing and servicing policies and procedures; and Work-flow improvements and increased servicing efficiencies through continual investments in technology and in-house information technology resources. In addition, Standard&Poor's Ratings Services considers that AMAL has proactively improved its processes and technology architecture, leading to further alignment of its servicing standards with industry best practices. As of June 30, 2015, AMAL has more than A$7 billion in funds under administration in Australia and
