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Consultancy Services

1. Basel III Implementation Support

   Supporting institutions to interpret, operationalize, and comply with evolving NBE directives.

   • Implementation of Risk-Based Capital Adequacy Directive (SBB/95/2025)

   • Basel III readiness assessments and compliance roadmaps

   • Liquidity and leverage ratio implementation (LCR/NSFR)

   • Gap analysis and governance structure enhancement

   • Development of supervisory and internal reporting templates

2. Capital & Liquidity Management Advisory

   Ensuring your institution remains well-capitalized and liquid under all market conditions.

   • Design of Liquidity Management Frameworks and Contingency Funding Plans (CFP)

   • Early-warning indicator systems for liquidity stress

   • Capital structure optimization and buffer planning (CET1, Tier 1, Total Capital)

   • Basel III stress testing for capital and liquidity adequacy

   • Integration of capital and liquidity dashboards for executive monitoring

3. Credit & Portfolio Risk Management

   Building sound credit practices that safeguard institutional stability and capital strength.

   • Credit policy development and governance framework setup

   • Internal credit rating systems and borrower scoring models

   • IFRS 9 loan classification and provisioning alignment

   • Concentration, exposure limit, and sectoral risk analysis

   • Credit portfolio stress testing and scenario modeling

4. AML/CFT & Compliance Advisory

   Helping institutions implement strong anti-financial crime frameworks aligned with NBE directives and FATF standards.

   • Development of AML/CFT policies and frameworks

   • Customer Due Diligence (CDD), KYC, and PEP risk procedures

   • Transaction monitoring and suspicious activity reporting systems

   • Institutional AML risk assessment and compliance audits

   • Tailored training for compliance officers and relationship managers

5. Enterprise Risk & ICAAP Frameworks

   Integrating all risk types under a unified, Basel III–aligned risk management system.

   • Enterprise Risk Management (ERM) framework design and rollout

   • Risk Appetite and Tolerance Framework (RAF) development

   • Internal Capital Adequacy Assessment Process (ICAAP) documentation

   • Cross-risk integration: credit, market, operational, liquidity

   • Board and management training on ICAAP governance

6. Operational, Reputational & Digital Risk

   Building resilience in operations, reputation, and digital processes.

   • Operational risk mapping and control self-assessments

   • Key Risk Indicators (KRIs) and incident reporting structures

   • Business Continuity and Disaster Recovery Planning (BCP/DRP)

   • Reputational risk response planning and communications support

   • Integration of digital operational risks from fintech and automation

7. Cybersecurity & Digital Resilience Advisory

   Protecting financial institutions from cyber threats while ensuring operational continuity.

   • Cybersecurity governance and framework design (ISO 27001, NIST, FFIEC standards)

   • Cyber risk maturity assessments and regulatory gap analysis

   • Information security policies and incident response frameworks

   • Cyber crisis simulation and response readiness workshops

   • Advisory on data protection, fintech risk, and digital identity security

8. Governance & Board Advisory

   Enhancing oversight, accountability, and leadership capacity at all levels.

   • Board and committee structure reviews

   • Governance charters, policies, and role alignment

   • Board induction and training on risk oversight and compliance

   • Governance scorecards and performance evaluation tools

   • Independent board effectiveness assessments

9. Policy Development & Institutional Strengthening

   Transforming regulatory requirements into actionable internal policies and procedures.

   • Development and harmonization of policies for risk, capital, liquidity, and compliance

   • Integration of ESG, sustainability, and climate risk into frameworks

   • Internal control and compliance manual design

   • Institutional restructuring and risk culture transformation

10. Capacity Building & Training Solutions

    Developing institutional capability through practical and tailored learning.

    • Basel III and NBE Directive training programs for all staff levels

    • Credit, liquidity, and capital management workshops

    • AML/CFT and compliance training

    • Executive and Board masterclasses on risk governance

    • Training-of-Trainers (ToT) modules to sustain internal expertise

11. Mergers & Acquisitions (M&A) Advisory

    Guiding banks and insurers through consolidation, acquisition, and post-merger integration with a focus on risk and regulatory alignment.

    • Strategic M&A planning and feasibility analysis

    • Regulatory advisory on NBE approval processes and prudential compliance

    • Due diligence across financial, operational, and governance dimensions

    • Valuation support and risk-adjusted capital impact assessment

    • Post-merger integration (PMI) frameworks — governance, culture, and system alignment

    • Case-based simulations on merger readiness and integration risk