Which is the Best University to Study Finance, Investment & Banking in Malaysia?

What is Banking, Finance & Investment and Why you Should Study at the Best Private Universities

Banking and Investment are subsets of Finance. The Financial Services Sector covers a large area. The main difference between banking and finance is that banking is a specific subset of finance. While banking is focused on managing deposits, loans, and other financial products and services provided by banks, finance encompasses a broader range of activities related to managing money and investments. Furthermore, financing activities often concern long-term liabilities and shareholder equity accounts. On the other hand, investing activities include mostly capital expenditures that a company engages in to hopefully generate a return.

The banking and finance industry in plays a crucial role in Malaysia in promoting and sustaining its economic growth. It safeguards the interests of its customers, sells its services and encourages investments. Different types of banks offer different kinds of services to different groups of customers.

Since the field is wide, students interested in a career in the Financial Services Sector should look at the subjects offered at the private university to ensure that they meet your career goals as well as provide a stable job in the future.  Earning power is often a main driving factor when it comes to choosing a career. If you’re looking to amass your wealth, earning a finance degree and embarking on a career like financial analyst, advisor or manager can help you reach your economic goals.

Banking & Finance is a traditional career area for graduates in Malaysia, as is the wider financial services sector. Although many graduate entrants have a financial background there are also openings for those with degrees in other subjects: you can expect good training on a graduate programme and there may be a chance to extend your knowledge through professional exams.

You might also be interested to read:

• Top 10 Private Universities in Malaysia for Banking, Finance & Investment Courses
• How to Get Rich with a Finance Degree from a Top Private University in Malaysia
• Best Banking & Finance Courses in Malaysia – Find Out About Studying the Course, Entry Requirements, Career & Salary
• How a Finance Course in Malaysia Can Make You Unbelievably Rich!

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Top Rated Banking, Finance & Investment Degree Programmes in Malaysia

Finance is concerned with decision making within financial and capital markets and the financial instruments that are traded in those markets and looks at how these interactions facilitate the flow of funds and the control of risk.

Finance deals with financing and investment decisions and considers the the development of risk-hedging strategies so as to minimise the damaging effects of adverse movements in share prices, interest rates, exchange rates, and other uncertainties.

Today, many banks are commercial institutions that provide many financial services such as current and savings accounts, mortgages, credit cards, loans, insurance and investment opportunities. With Internet Banking we can move money about without leaving the sofa. They are also very powerful and have the ability to influence the economy and vice-versa.

Other banks such as Bank Negara regulate the interest rate, and investment banks guarantee the sales of bonds, stocks and shares in Malaysia. To have successful career in Banking, Finance & Investment in Malaysia, students have to choose the best university that offers these degree programmes.

To choose the best university, you need to look at the subjects offered as not all degrees with the title “Banking & Finance” or “Finance & Investment” are the same.

A degree in Banking, Finance & Investment provides an advanced financial education which covers both microeconomic and macroeconomic theory and policy. You will learn quantitative research and computing methods essential for economics and finance.

What is Finance?

Finance deals with efficient allocation and distribution of resources by commercial entities, individuals, as well as other establishments over time taking into consideration the associated risks.

The term called finance can include any of the following areas:

• The process of managing money
• The study of money and other types of assets
• Managing and controlling those assets
• Identifying and handling project risks

If the term finance is used as a verb, it denotes provision of funds for individuals for buying cars or houses and businesses.

The function of finance is to apply a group of techniques which the corporate entities and individuals implement for managing their financial activities, specifically the margin of income and expenditure as well as investment risks.

Finance can be widely categorized into the following types:

• Personal finance
• Business finance
• Public finance

The major sources of financing include:

• Savings
• Loan or credit
• Taxes
• Donations
• Subsidies
• Grants

Studying Finance in Malaysia

Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects.

The term finance may therefore cover any of the following:

• The study of money and other assets
• The management of those assets
• Profiling and managing project risks
• As a verb, “to finance” is to provide funds for business.

Finance is the most encompassing of all business enterprises.  To understand finance you must know about the entire business, indeed the entire economy.

“Finance” is a broad term that describes two related activities: the study of how money is managed and the actual process of acquiring needed funds.

Because individuals, businesses and government entities all need funding to operate, the field is often separated into three sub-categories: personal finance, corporate finance and public finance.

All three categories are concerned with activities such as pursuing sound investments, obtaining low-cost credit, allocating funds for liabilities, and banking. Yet each has its own specific considerations. For example, individuals need to provision for retirement expenses, which means investing enough money during their working years and ensuring that their asset allocation fits their long-term plans.

A large company, on the other hand, may have to decide whether to raise additional funds through a bond issue or stock offering. Investment banks may advise the firm on such considerations and help them market the securities.

As for public finance, in addition to managing money for its day-to-day operations, a government body also has larger social responsibilities. Its goals include attaining an equitable distribution of income for its citizens and enacting policies that lead to a stable economy.

Teaching & Assessments

Teaching is delivered through a combination of lectures, tutorials and project work. Course assessment is generally based on either coursework or an exam at the end of the semester, or a mixture of the two at the end of the semester or academic year.

Recognition & Accreditation

The Banking & Finance degree programmes at the private universities should be accredited by the Malaysian Qualifications Agency (MQA).

Professional Certification

Banking and Finance graduates may go for the the professional certifications by

• FPAM – Financial Planning Association of Malaysia
• Certified Financial Planner (CFP)
• Asian Institute of Chartered Banker (AICB)

Specialised Labs

At some private universities students have access to state-of-the-art trading rooms, helping you develop practical skills for your career. Additionally, students have the chance to gain certification for taking part in Bloomberg Core Concepts training as well as to participate in a live trading simulation.

Duration

Banking & Finance degree programmes will take 3 years to complete. This doesn’t include Pre-University for students who are after high school. Depending on the Pre-U programme, it will range from 12 months to 24 months to complete.

What will you Learn in a Banking & Finance Degree Course in Malaysia?

This three-year Banking and Finance) programme at Malaysia’s top private universities prepares students with the skills necessary to meet the business demands of today and the future. It educates and prepares students in the various aspects of financial services, including banking, international finance, economics and law. Their curriculum provide a solid business core that includes an extensive background in banking and finance and the functional business areas. It also equips students with skills in handling financial products, product development and working within the Global Banking and Finance Industry.

In the Banking & Finance degree programme, students will acquire good business knowledge and a firm foundation necessary in the financial services industry, and a clear understanding of the internal operations of banks and other financial institutions.

Students learn the know-how of assessing and matching the financial needs of organisations and individuals to suitable financial products. It also gives them the skills to manage finance in institutional settings, such as banks or investment houses.

Brief Description of Some of the Subjects that you will Study in Banking, Finance & Investment in Malaysia

The modules which you may study vary between the number of courses in banking and related financial areas that are available.

It is advisable to check with the institutions themselves as to the nature of the courses they offer before submitting your application, and the list below will give you an idea of the areas that you may be able to study:

• Finance, Financial Markets and Institutions
  • Finance is a global industry that offers a broad and complex array of products and services. It provides a broad understanding of the institutions, markets, products and services that comprise the financial sector, including key interrelationships and interdependencies between them, in the context of the wider economy and the current issues that affect and shape them.
  • And you will get an overview of the current regulatory framework within which the markets and institutions operate, incorporating the issues of professional ethics and financial crime.
• Derivatives and Risk
  • Derivatives create volatility and risk – this module examines how such risk manifests itself and some of the derivative instruments now available to firms to enable them to manage such risk. In this module you will examine key instruments such as futures, forwards swaps and options. You will examine how such instruments may be applied and how they transform risk within the financial system.
• Portfolio Management
  • This module is designed to develop your understanding of investment appraisal and portfolio management theory and techniques through their application in managing a ‘paper portfolio’ of investments.
  • You will learn to make informed investment decisions by researching potential investment opportunities, carrying out transactions, tracking and managing your portfolio through the use of both internet sources and university software packages.
• Credit and Market Risk
  • The banking and financial services industry operates in a risk structured environment. The business is about the management and transfer of risk. Interest Rate Liquidity and Operational Risk, takes students through risk in banking and financial services. It focuses on the specific areas of Credit and Market risk within the context of the relevant regulatory framework and draws on case study material provided by high profile institutional failures.
• Interest Rate, Liquidity and Operational Risk
  • The field of investment management is continually evolving to embrace current market thinking, issues in behavioural finance
  • and market irrationality. This module considers the management of investment through asset pricing, portfolio construction and portfolio management. It also explores the assumptions of investor rationality, investor irrationality and their impact on investment decision-making.
• Economics of Financial Markets
  • Economics of Financial Markets explores the connection between the financial system and the wider economy. This module emphasises how financial markets operate efficiently to transfer funds from savers to borrowers through the workings of the money and capital markets. The module also examines how asset prices are determined by the equilibrium of supply and demand in these markets.
• Quantitative Methods
  • Quantitative Methods develops basic mathematical and statistical methods such as calculus, probability, hypothesis testing and univariate regression used extensively in Finance and Economics.
• Accounting Principles
  • Accounting Principles examines the basic concepts of financial accounting, and how these may be used to construct and interpret the financial statement for an organisation.
• Asset Pricing
  • Asset Pricing introduces the relationship between risk and return in financial markets and the role of arbitrage in determining asset prices.
  • How security prices evolve and are determined
  • How prices are determined in equilibrium
  • The ways rational agents attempting arbitrage can link prices in different markets
  • How market makers in exchanges match buyers and sellers (market microstructure)
  • How agents use financial information to trade and how this enters the pricing mechanisms
  • The ways intermediaries (such as money managers and hedge funds) affect markets and prices
  • Whether observed prices and investment decisions can be rationalised by models of optimising agents
• Portfolio Choice
  • Portfolio Choice explores the rationale for holding portfolios and the advantages this brings as a way of diversifying risk for private investors and large financial institutions, such as insurance companies.
• Econometrics
  • Introduction to Econometrics uses statistical methods to investigate selected financial and economic issues such as asset pricing, savings function, and household labour supply.
• Corporate Finance
  • Corporate Finance undertakes analysis of company financing of investment projects; corporate tax policy; financial decisions and real activity; and the interaction of shareholders, creditors and managers.
• Options and Futures
  • Options and Futures examines the structure of derivative markets that form a key role in risk management and hedging. The
  • module examines the principles of options and futures pricing and investment strategies with options and futures.
• Applied Financial Analysis
  • Applied Financial Analysis deepens your understanding of statistical techniques utilised in the investigation of financial problems and issues. The module considers techniques for studying time-series data and applies these to problems of ‘efficiency’ in domestic and international financial markets and to asset pricing.
• Corporate finance
  • How organisations make financial policies and decisions. This can involve capital structure, investments, mergers and acquisitions, initial public offerings, security issuance, dividends and ownership structure
• Financial Risk Management in Banking
  • This module aims to allow students to develop an understanding of the process of financial risk management in banking, including financial markets and instruments, derivatives, various bank risks and their management, financial crisis and securitization, regulations, and the effect of accounting standards. This module provides students the opportunity to develop risk modelling skills, analytical and numerical skills in banking risk management practice.
• Monetary Policy 
  • The module aims to provide students with; – an understanding of money , monetary standards and the monetary sector; – an understanding of the evolution of monetary and banking economic theory and the seminal controversies since Hume and Bagehot; – the ability to apply monetary theory to public policy in a domestic and international context; and – investigate emerging and current issues of monetary policy and banking; – analyse public policy and safety of the financial system; – develop specialist knowledge suitable for further development via postgraduate study or professional employment.
• Financial Mathematics
  • This module explores the mathematics that underlies financial processes and financial decision making, and complements the study of these areas in economics and accounting.
  • Specific areas include probability, extending interest ideas to annuities and bonds, modelling financial data using time series models and Markov chains, applying discrete methods for option pricing, and using utility to make decisions in risky environments.

Who should study Finance?

• Anyone can get a business degree or do accounting, but in order to be in a finance career you must be outgoing and inquisitive. Though you’ll need to be good at mathematics, you also must be good and talking with people and making friendly conversation on a variety of subjects.
• Therefore education, intelligence, and personality are all taken into account for finance jobs. Additionally, you must be diplomatic and consider your organization’s or client’s goals, resources, and options when discussing their options for financial growth and well-being.

Why should you study Finance?

• One great reason to become a finance major is because of it’s more narrow focus, but it still allows you to explore a field that is dense with job opportunities.
• A finance degree allows you to work with the decision makers of outside organizations. Examples of these organizations include: banks, government agencies, stockholders, suppliers, businesses, and more.
• Being able to distinguish yourself with a finance degree will help you when searching for jobs, especially from a large number of business majors.
• As a finance degree is harder to attain, it’s guaranteed to set you apart.