With strong foundations in banking and finance and debt capital markets, Zul Rafique & Partners’ Islamic finance practice is well-equipped to advise an array of local and international financial institutions. The firm frequently advises on Islamic medium-term notes programmes and commercial papers, in addition to structures involving Shariah principles such as Musyarakah, Mudharaba, Murabaha, Istisna, and Ijarah. Expert Loh Mei Mei leads the team alongside Ashela Ramaya, Kung Suan Im, Celine Rangithan , and Chan Kwan Hoe, all of whom have demonstrable experience in sustainability-linked Sukuks.

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Key clients

  • Maxis Berhad
  • Standard Chartered Bank Group (Standard Chartered Bank (Malaysia) Berhad, Standard Chartered Saadiq Berhad)
  • Maybank Group (Maybank Investment Bank Berhad, Maybank Islamic Berhad, Malayan Banking Berhad, Maybank International (L) Ltd, other Malayan Banking Berhad branches, ie China, Ho Chi Minh City, Hanoi)
  • Bank of China (Malaysia) Berhad
  • Affin Group (Affin Bank Berhad, Affin Hwang Investment Bank Berhad, Affin Islamic Bank Berhad)
  • HSBC Group (HSBC Bank Malaysia Berhad, HSBC Amanah Malaysia Berhad)
  • CIMB Bank Group (CIMB Bank Berhad, CIMB Islamic Bank Berhad, CIMB Investment Bank Berhad, CIMB Bank (L) Ltd)
  • OCBC Group (OCBC Bank (Malaysia) Berhad, OCBC Al-Amin Berhad, Oversea-Chinese Banking Limited Corporation, Labuan Branch)
  • Genting Berhad
  • RHB Group (RHB Bank Berhad, RHB Investment Bank Berhad, RHB Islamic Bank Berhad, RHB Bank (L) Ltd)
  • MIDF Group (MIDF Amanah Investment Bank Berhad, MIDF Investment Bank Berhad)
  • Bank Islam Malaysia Berhad
  • Bank Kerjasama Rakyat Malaysia
  • Cathay United Bank
  • MUFG Bank (Malaysia) Berhad
  • Sumitomo Mitsui Banking Corporation Malaysia Berhad
  • United Overseas Bank (Malaysia) Berhad

Work highlights

  • Advised HSBC Bank Malaysia Berhad on the establishment of RM1bn Sukuk Wakalah Programme and issuance of Sustainability-Linked Sukuk Wakalah by Yinson Holdings Berhad.
  • Advised AmInvestment Bank Berhad on an Islamic medium term notes programme of up to RM500m Million established by JB Cocoa.
  • Advised Maybank Investment Bank Berhad and OCBC Al-Amin Bank Berhad on an Islamic medium term notes programme of up to RM3bn established by Edotco Malaysia.

Lawyers

Leading partners
The strongest partners in their field, leading on market-leading deals and endorsed by peers and clients alike.
Loh Mei Mei is the Head of the Banking & Finance practice group. She has over 30 years’ experience advising on a full range of financing transactions. She is a specialist in both domestic and international finance covering all types of financings including complex structured financing, acquisition financing, limited recourse financing, project financing, Islamic financing, bonds/notes issuance, Sukuk issuance and asset-backed securitisation. She has advised on some of the largest and most complex landmark financing transactions in Malaysia, both conventional and Islamic financing. Mei Mei is highly regarded for her ability to provide practical sound advice and solutions to address complex legal and structural issues. She believes that listening and understanding her clients’ needs are foremost in providing effective legal advice.

Practice head

The lawyer(s) leading their teams.

Loh Mei Mei, Kung Suan Im, Ashela Ramaya, Celine Rangithan, Chan Kwan Hoe