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; Strengthened 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 investments in technology. In addition, Standard&Poor's Ratings Services considers that AMAL has proactively improved its organizational infrastructure, internal controls mechanisms, and underlying technology architecture, leading to further alignment of its servicing standards with industry best practices. A competent servicer of commercial loan, residential, and consumer receivable portfolios in Australia and New Zealand, AMAL has
