Liquidity Provision & Securitisation
Mortgage Guarantee Programme
Reverse Mortgage
Treasury & Fund Raising
Liquidity Provision & Securitisation

Purchase with Recourse (PWR)

Cagamas purchases eligible portfolios of loans and financing from financial institutions and selected corporations on a recourse basis, which gives quick access to liquidity for banks’ regulatory compliance needs. 

Contribution to NOI

13.0%

Contribution to Net Profit

19.6%

Contribution to Assets

69.3%

Contribution to Liabilities

81.8%

Purchase without Recourse (PWOR)

Cagamas purchases eligible portfolios of loans and financing from financial institutions and selected corporations on a recourse basis, which gives quick access to liquidity for banks’ regulatory compliance needs. 

Contribution to NOI

13.0%

Contribution to Net Profit

19.6%

Contribution to Assets

69.3%

Contribution to Liabilities

81.8%

Capital Management Solutions (CMS)

Cagamas purchases eligible portfolios of loans and financing from financial institutions and selected corporations on a recourse basis, which gives quick access to liquidity for banks’ regulatory compliance needs. 

Contribution to NOI

13.0%

Contribution to Net Profit

19.6%

Contribution to Assets

69.3%

Contribution to Liabilities

81.8%

Mortgage Guarantee Programme

MGP offers “first loss” protection on a mortgage portfolio while the mortgage assets remain on the bank’s balance sheet, which helps banks free up capital and rebalance risk.

Contribution to NOI

6.9%

Contribution to Net Profit

10.4%

Contribution to Assets

1.4%

Contribution to Liabilities

0.7%

Reverse Mortgage

RM enables senior home owners to convert their home equity in exchange for a steady stream of monthly income and provides a form of social security to the elderly home owners for retirement.

Contribution to NOI

0.0%

Contribution to Net Profit

0.1%

Contribution to Assets

0.0%

Contribution to Liabilities

0.0%

Treasury & Fund Raising

Cagamas issue bonds and sukuk, including sustainability, green, and social bonds and sukuk, to finance the purchase of housing mortgages and other consumer receivables for conventional loans and Islamic financing.

Contribution to NOI

40.1%

Contribution to Net Profit

60.2%

Contribution to Assets

9.8%

Contribution to Liabilities

2.1%