Bank Td Introduction Credentials Brief Final
-
Upload
hussain-mazhar -
Category
Documents
-
view
956 -
download
7
description
Transcript of Bank Td Introduction Credentials Brief Final
© 2010 BankT&D Consulting
BankT&D ConsultingWe help our clients build better, stronger banks
A Comprehensive view of our
Capabilities & Credentials
Contact:
Hussain Mazhar
Director - Islamic Banking Services
Office: +44 1483 776888
Fax: +44 1483 747892
Mobile: +973-39940390
Email: [email protected]
Skype: hussainmazhar
Website: www.banktandd.com
1
© 2010 BankT&D Consulting 2
Table of Contents
1- Executive Summary - BankT&D Introduction…………….. 03 – 10
2- Islamic Banking Services…………………………………… 11 – 16
3- Appendix – Our Experiences ………………………………. 17 – 28
4- Contact Details …………………………………... …………. 29
© 2010 BankT&D Consulting 3
EXECUTIVE SUMMARY
© 2010 BankT&D Consulting
Assessing Services, Products,
Structures & Markets
Designing Tools & Processes to
Optimize Performance
Building solid Risk
Management structures to
manage growth
Transferring knowledge
through training & mentoring
Helping with expansion through
mergers & acquisitions
• Established in 2003
• Primary Focus – Implementation of
Strategy
• All experienced bankers from blue chip
multi-national banks
• Multi-cultural executives representing
more than 10 different nationalities
• Minimum experience of 20 years
• Executives represent all functions of a
bank & are respective subject matter
experts
About Us
4Executive Summary
© 2010 BankT&D Consulting 5
A global player: We have the global reach and local market experience to ensure
our clients achieve their objectives
Our Reach
Chicago
London
Amsterdam
Geneva
Athens
Istanbul
Cairo
Lagos
Nairobi
Lome
Beijing
Karachi
Dhaka
Djakarta
Riyadh
Abu Dhabi
Dubai
Kuwait
Amman
Beirut
Damascus
Tbilisi
Almaty
MIDDLE EAST &
CIS
AFRICA
SOUTH EAST ASIA
EUROPE
NORTH AMERICA
Executive Summary
Territories
Functions
Competencies, Experience, Knowledge
Cultures, Skills, Issues
North America
Europe Africa Middle-East Central AsiaSouth East
Asia
Top line Growth
Risk Management
Operations Optimization
M&A Transactions
Support
Islamic Finance
Organizational Effectiveness
Our „on-the-job‟ experience across countries and functions allows us to
combine best practices globally and offer the same to our customers
1 Executive Summary – Leverage across industry and functional practices
Best
Practices
Our „Unique Selling Point‟
6© 2010 BankT&D ConsultingExecutive Summary
We offer a comprehensive range of services to financial institutions
OR OR
Our Services
7© 2010 BankT&D Consulting
- New Products
- New Delivery
- Channels
- New Customers
- Cross-selling
- New Markets
- New Businesses
- Sales
Management
- Credit Risk
- Market Risk
- Operational Risk
- Enterprise Risk
- Basel II
- Independent
Reviews
- Policy &
Procedure
Updates
- Process Analysis
- Process
Improvement
- Process
Modelling
- Implementation
- Quality Tracking
- Rapid
Automation of
Manual Processes
- Fostering
changes in
organisational
culture, individual
growth and
teamwork
- Developing
leaders
-Training
- Identifying
targets
-Valuation
- Negotiation
- Due Diligence
- Completion
- Post M&A
Integration
Executive Summary
BankT&D Approach is unique in terms of not only providing solutions to
problems but also transferring the knowledge and expertise to its Clients
thereby making them the Champions and ensuring continuous success
Kick-off Sweat Transfer Support Observe
We steer and
analyze
Client provides
data
We identify
problems and
their solutions
Client provides
input and support
Client takes over
the
implementation
We provide
hands-on support
and knowledge
transfer
Client takes
ownership
We withdraw and
provide support
through post-
implementation
analysis
Client is the
Champion of its
business
We observe and
give periodic
assistance
…
Client BankT&D
2.1 Introduction to Arthur D. Little – Side by side approachOur Approach
© 2010 BankT&D Consulting 8Executive Summary
© 2010 BankT&D Consulting 9
Europe & N. America Middle East & CIS Africa South East Asia
Our Customers
Executive Summary
Our Team
10© 2010 BankT&D Consulting
Norman Bernard
Chairman
Bank T&D
Advisory Board
Norman has consulted extensively for
financial services in W. Europe and the US,
Poland, Croatia, Slovenia, Oman, Pakistan,
Saudi Arabia, Kuwait, UAE and a number of
Latin American and Asian countries. Norman
previously worked for Booz Allen &
Hamilton and McKinsey & Co and was a
founding partner of London based financial
services specialists First Consulting. Norman
holds an MBA from Cranfield University.
Aslam Aziz
Managing Director,
Head of Operations Optimization
Practice
Aslam has over 30 years of international
banking experience including assignments
with Citibank in Pakistan, Qatar, Morocco,
Turkey and UK. He served as CEO of
Orbian, a joint venture between Citibank and
SAP. In 2002 he became CEO of Habib Allied
International Bank plc. Aslam holds degrees
in Electrical Engineering & Business
Administration from IBA, Karachi.
Vinay Bijawat
Executive Director,
Top-line Growth & Risk
Management Practice
Vinay has over 20 years of international
banking experience. He spent 15 years with
Citigroup in various Emerging Market
countries and served as Managing Director
and EMEA Operating Committee Member of
Citigroup. Prior to Citigroup, he worked
with ANZ Banking Group in India and
Australia,
Kenneth Pasternak
Executive Director
Head Organizational Effectiveness
Practice
Ken has over 35 years of experience in
management development, institution
building, and corporate banking. He was
Director of Education and Training for the
European Bank for Reconstruction and
Development. Prior to that he spent 18
years at Citibank with assignments in New
York, London, Helsinki, Istanbul, and Brussels.
He is a graduate of Yale University.
Mazhar Latif
Executive Director
Mergers, Acquisitions
& Divestitures Practice
Mazhar is a chartered accountant with over
25 years international banking experience in
mergers and acquisitions and finance. He
spent 18 years with Citigroup in various
senior roles and worked on all aspects of the
M&A transactions across Western and
Eastern Europe, Middle East and Africa
regions
Hussain Mazhar
Director
Islamic Banking Services
Hussain has extensive 23 years experience
with last 12 years focused on Islamic
Banking. He has launched Islamic Divisions in
Saudi Arabia, Pakistan, UAE & Bahrain.
Experience includes – Strategic Planning,
maximizing productivity, expanding
distribution, ensuring Sharia compliance,
creating products, converting portfolios to
Islamic, implementing systems, Process
Engineering, Branding & Marketing,
Executive Summary
© 2010 BankT&D Consulting 11
ISLAMIC BANKING SERVICES
Islamic Banking Services
© 2010 BankT&D Consulting 12
Optimize
Processes
Develop
Competencies
Strengthen
Organizational
Governance
Operational
Increase
Competitive-
ness
Ensure
Customer
Satisfaction
Ensure
Growth
- Set up Islamic Division/ Bank
- Strategic Planning & Structure
- Improving Distribution
- Branding
- Market & Needs Research
- Innovative Product Offerings
- Customer Feedback Tools
- Conversion from
Conventional to Islamic
- Quality Assurance Systems
- Needs Research
- Marketing Strategy
- Set up Sharia Board & TOR
- Risk & Credit Policies
- Operational Policies
- Sharia Compliance & Audit
- E2E Process Engineering
- Standard Procedures
- Internal Audit Mechanism
- Sharia Co-ordination
- Identify Knowledge Gaps
- Training & Development
- Knowledge Transfer & Tools
- Creating Champions
Islamic
Bank
Revenue
Growth Excellence
Internal focus - 2 key areas – Our Clients‟ „Revenue Growth‟ and „Operational
Excellence‟
Internal Focus
Islamic Banking Services
External Focus
13© 2010 BankT&D Consulting
Islamic
Bank
External focus – Meeting Clients‟ needs with any external party for „Revenue
Growth‟ and „Operational Excellence‟
Islamic Banking Services
© 2010 BankT&D Consulting 14Islamic Banking Services
Setting-up Islamic Bank or Division
© 2010 BankT&D Consulting 15
Conversion to IslamicP
hase
s
Project Management
Communications Plan
1 42 3 5As-is Analysis & Industry Benchmarking
Revision of Legal Contracts & Processes
Approvals, Testing & Training
Identification of Risks & Compliance Issues
Replacement of Legal Contracts & Change Management
Task
s
„What if‟ analysis
through meeting with
industry Risk experts
Reviewing and collating
relevant regulations
(Governmental ,
International & AAOIFI
Standards)
Discuss Reports from
Phase 1 and all identified
Risks and compliance
issues highlighted in
Phase 2 with the bank‟s
management & agree on
strategy for conversion
Establishment of Sharia
Board
Drafting and approvals on
the TOR of the Sharia
Board
Product-wise review and
revision of contracts
Product-wise review and
revision of Processes
Re-engineering of processes
in light of Sharia
Presentation and
approvals on the revised
Contracts and Processes
from the Sharia Board
Alterations in the IT
System as per revisions
in Contracts and
Processes
UAT of alterations in
the IT System
Revision of SOP
document
Training across the bank
on Islamic Products &
processes
Replacement of
conventional contracts
with Islamic as per
agreed strategy
Internal buy-in from staff
External communication
and marketing
Islamic Bank launch
campaign
Perform diagnostic of
existing Contracts &
Processes, incl. Bank
vs. competitors‟
– Product portfolio
– Customer segment
– Channel strength
– Operational efficiency
Conduct benchmarking
– Best Practices
(Global Banks &
Regional Banks)
Gap analysis
– Against competitors
– Against benchmarks
Diagnostic
Report
Benchmarking
Report
Gap Analysis
Report
List of Risks
List of
Compliance
considerations
Agreed Strategy
Functional Sharia
Board
Revised Contracts
by Products
Revised Processes
by products
Sharia Approved
Products &
Processes
Full IT and other
depts’ support
Trained Staff
Fully Islamic Bank
Delivera
ble
s
1 2 3 4 5
Our Conversion Approach consists of five phases along with Project Management
& Communications Plan
Islamic Banking Services
© 2010 BankT&D Consulting 16
Islamic Banking Regulations
Islamic Banking Services
Input A
Input B
Input C
Islamic
Banking
Experts
Islamic
Banking
Regulators
BankT&D
In-house
Expertise
Our Global network, relationships and past experience in developing Islamic
Banking Regulations allows us to combine this knowledge and latest
developments to deliver the most current Regulations for any Central Bank
Most Current & Applicable Regulations
Determine Legal Foundations:
- Nature of banks & institutions
- Relationship with Regulator/s
- Authority of Regulator
Management of Operational Risk:
- Capital
- Level of Capital Adequacy Ratio
- Risk Weighting Methodolgy
- Off-Balance sheet Commitments
- Assets
- Liquidity
- Management
- Earnings
Information Disclosure:
- Objectives, Policies &
Concentration
- Types of Securities
- Disclosure & monitoring of Risks
- Internal Control
- Performance Data
- Background of Management &
Senior Staff
- Public disclosures
Licensing Requirements:
- Transparency of laws, criteria and
requirements
- Rules for Corporate Governance
- Suitability standards for owners
- Specifications for Board members
& management
- Organisation Structure of Bank
- Internal Controls
- Internal & External Audit functions
- Provisions for conflicts
- Capital Requirements
- Scope of Bank’s activities
- Feasibility Study/ Business Plan
© 2010 BankT&D Consulting 17
APPENDIX - Our Experiences
© 2010 BankT&D Consulting 18
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Prime Bank,
Pakistan
Establish Retail
Banking Presence:
Five Year Strategy
Team Building
Prime Bank was seeking a fast entry into the Retail Banking market in Pakistan. They did not have all the expertise required in-house & needed assistance to attract the scarce & expensive local talent required. Prime Bank‟s senior management team asked BankT&D Consulting to provide strategic planning & take over the execution role in sourcing, recruiting, training & mentoring a young team. This team would be used for the introduction & management of new products & services & would be ingrained with a sales & service culture.
BankT&D Consulting began this
assignment by undertaking a strategic
review covering & producing a Situation
Analysis report. The review included
Retail Banking, Business Process Re-
engineering & a Training Needs
Analysis. As a result of the Situation
Analysis, BankT&D Consulting was
asked to take on an assignment to help
the Bank develop its Five Year Strategic
Business Plan & then create a buy-in of
the Plan amongst the senior & middle
management. This assignment was
achieved by a combination of desk-top
research, in-depth interviews & reviews
with the key managers & running Senior
Management Workshops before the
development of the Plan to get a buy-in
on Strategic Direction & milestones.
Once the Plan had been developed &
approved by the CEO & the Board of
Directors, it was the presented as a
snap-shot at a large Senior
Managers/Officers Conference followed
by a detailed buy-in session at a 3 days
Senior Management Workshop.
A major outcome of the Strategic Plan approval
was the decision by the CEO & the Board of
Directors to assign BankT&D Consulting the
responsibility to execute the Plan relating to the
Consumer & Branch Banking Services Businesses
over a one year period. BankT&D Consulting was
given complete administrative & executive
responsibilities including hiring, firing, credit and
expense approvals as per the Approved Annual
Plan. Within six months of the assignment Prime
Bank had become a market leader in all the
products launched by Prime Bank amongst its
peer banks, including banks which had been
established players in Consumer & Retail Banking
for over a decade.
The above strategy also included a complete
change of the corporate identity of the Bank. This
was achieved with minimal expense by changing
the Branch & Corporate front fascias & using the
product launches to build and establish the new
identity. All the planned launches were completed
within six months of the assignment & the
resultant visibility created a major positive impact
on its image and financial performance.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 19
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Major Global
International Bank
with SME
businesses in
various countries in
Central Eastern
Europe, Africa,
Turkey , Asia and
Latin America
Major Islamic Bank
in Egypt
Design & Launch of
New SME Business
& Equipment
Finance Leasing
Company
The assignments comprised of two phases. The first phase included: assisting in regulatory approvals (where required) & funding strategy, market study & segmentation analysis, competitive positioning and entry strategy, product design, end-to-end operational & business model design, system & vendor selection. This phase culminated in a 5 year business plan submitted to senior management for approval.
The second phase included: assisting in the execution of the operational & business model covering recruitment & training of staff, end-to-end process manual design & writing, sales incentive plans, product packaging & marketing campaigns, embedding of advanced customer management techniques, operations, risk model & systemimplementation.
In all these instances, the
businesses were set up and
launched within 8-12 months of
our involvement. In order to
transfer technology and have
management „buy in‟ the
BankT&D Consulting subject
matter experts worked with the
core management team that
were thereafter going to run the
businesses (and in some
instances helped to recruit
them).
The success of the businesses set-up was proven
by the fact that many of the businesses became
market leaders within 12-18 months of launch. All
the businesses launched during this BankT&D
consulting assignment continue to be profitable
(both from a ROE and ROEC perspective) with
predictable loss norms across geographies and
business cycles (both benign and stressed) and
have a high degree of automation of processes.
Best practices and learning from various countries
were quickly adapted to other countries with a
high degree of success eliminating costly trial and
error issues and at the same time enhancing the
bottom line. The major international bank now
has a global SME architecture which is locally
adapted and implemented allowing for both global
and local best practices to complement and
enhance the business value.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 20
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
A global bank
looking to
streamline its
centralized East
European
processing centre in
Hungary.
This central processing capability handled expense payments for several countries across Eastern Europe. It had team of 20+ staff that worked in three parallel teams and handled seven distinctly different end-to-end processes. We were requested to help address increasing delays and service quality concerns in the face of increasing transaction volumes.
A team of two BankT&D consultants
went on-site for four days to undertake
a comprehensive analysis of the process
flow, information flow, staffing resources,
their roles and work-scheduling routines.
Experienced BankT&D process
improvement consultants used our
advanced „Business Analyst‟ software
tools, to capture and analyze all of the
required workflow information and data.
This pointed out concrete process
performance indicators like turnaround
times, bottlenecks etc. Using the
powerful simulation capability of our
process analytical tool, capacity
projections were made on the basis of
envisaged changes in transaction
volumes, the streamlined process,
allocation and timing of staffing
resources. This analysis provided a
sound and safe basis of making changes is
all aspects of the processing
environment.
Substantial improvement in productivity.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 21
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
A major fast-
expanding Islamic
Bank in UAE
The bank was embarking on substantial growth of its Consumer Finance business and wanted to engineer upfront major improvement of all related end-to-end processes. It also wanted to complete a realistic capacity plan so that impending increase in transaction volumes could be achieved at improved margins.
A team of three BankT&D consultants and
business analysts went on-site for a week to
collect the „As- Is‟ process flows that involved
three financing products with three different
origination and delivery channels (branches,
direct sales team and web). This information
was captured and analyzed using our powerful
tools and methodology that allowed simulation
of all the processing variables (changes in
workflow, staff roles, work scheduling etc.). A
brainstorming session of all the related users
and stakeholders allowed creation of a list of
possible changes and improvements.
Next step was creation of „Should-Be‟ processes
and also a dynamic capacity model. This was
used to simulate and decide on final set of
desired process and resource changes. We then
proceeded to help the customer plan
implementation of the agreed changes at user,
process and IT infrastructure level.
The bank appreciated the value of this exercise
so much that it subsequently asked that the
scope of the assignment be expanded to cover
all of their operational units.
Result was not only a sound capacity
plan but rapid and tangible
improvements in service quality,
customer responsiveness, controls
and staff productivity. These
improvements are monitored on a
real-time basis through „QualityTrack‟
tools that include fully automated
„dashboards‟. These dashboards
provide dynamic information about
actual performance against target
quality standards.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 22
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
A fast growing bank
in Pakistan that was
subsequently
acquired by an
international bank
Rapid automation of manual and semi-automated processes across the bank
Faced with high staff turnover, fast growth of
SME and Consumer customer portfolio and a
relatively lower revenue-to-expense ratio as
compared to competitors, the bank sought
assistance for rapid improvement as well as
automation of its numerous processes. These
processes had remained predominantly manual
because part of the entire processes in question
fell outside their numerous core systems.
BankT&D first trained the staff of this bank on
use of our unique rapid automation tools that
help wage a war on manual processes. These
tools allow rapid prototyping of automation by
allowing end-users to start with process
diagrams captured using Business Analyst. User
were then able to envisage, design and attach
electronic forms at key points within the
process flow (using an easy to use, drag and
drop form designer environment), and configure
these using „software wizards‟. IT is asked to get
involved in development of interfaces with
other banking systems only when the users and
business analysts have developed fully working
prototypes on their own.
The bank liked the capability so much
and users found them so easy to
deploy that they created a dedicated
internal team that was trained by us.
This team was soon able to identify,
develop and deploy new applications
on their own. This reduced
dependence on external consultants
allowed them to rapidly automate
their numerous manual processes in a
very cost-effective and rapid manner.
Dozens of these applications were
developed and deployed by their
team.
It is important to note that the
international bank that acquired this
local bank continued to seek our
assistance in development of new
applications aimed at rapidly
automating manual processes.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 23
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Talent Development
Project
An Islamic Bank in
the Gulf Region
BankT&D Consulting was requested to assist this client with the development of practical approaches and process for the complete talent development cycle. While this relatively young organisation has an approved policy manual it required a “how to” manual in order to implement those policies based on best practices and tailored for its specific local/country needs.
BankT&D Consulting provided advice and
designed methodologies for many of the key
activities around the organisational effectiveness
cycle. These included designing a new recruit
hiring program; outlining a framework and
modes of operation for an in-house training
academy; sharing methodology for selecting
training vendors; developing an outline for a
scholarship fund for deserving employees;
undertaking a Training Needs Analysis across
the existing organisation; developing career
progression grids to signal developmental needs
of each employee over time; creating the
methodology for instituting a talent inventory
which would lead to effective succession
planning. Other tasks such as reviews of
performance appraisal systems and recruitment
were also done.
Following the assignment, the client
contracted BankT&D Consulting to
pilot an eight week Core Banking
Program for its employees.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 24
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Comprehensive
Training Plan and
Implementation
A medium size bank
in South Asia that
had grown rapidly
through acquisitions
Senior management felt that they needed help with planning and executing a credible training effort, especially in light of high staff turnover in the market. BankT&D Consulting guided this client through a detailed „Training Needs Analysis‟ which became the basis for a comprehensive Training Plan. The client effectively outsourced its „Training Function‟ to BankT&D Consulting who had the responsibility for designing courses, providing expert trainers to deliver many and also overseeing the use of local training resources.
Twenty five courses were planned and
delivered, several of which were repeated many
times over a two-year period. These included
seminars on „Risk Management for Consumer
Banking‟, „Derivatives in Emerging Markets‟ and
a 10-week entry level „Core Banking Program‟
for 25 MBA Management Associates joining the
Bank . BankT&D Consulting also facilitated
several two-day „Senior Management
Workshops‟ where the CEO and the senior
management team came together to discuss and
decide ways of implementing key business
initiatives in response to emerging market
opportunities.
The client relied on BankT&D Consulting for
support on planning and execution of training
and development needs of its staff. They created
a small „Learning & Organizational
Development‟ team within their HR unit to
work closely with us.
The bank‟s size and profitability grew
at a very fast pace and it was
eventually acquired by a major
international bank at a very attractive
valuation.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 25
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Credit Policy Manual
Design and Rewrite
Major Global
International Bank
with operations in
over a 100 countries
Major Islamic Bank,
UAE
Major Pakistani Bank
European Subsidiary
of Arab Bank, London
Major Georgian Bank
BankT&D Consulting were tasked in all these assignments to develop/update Credit Policy Manuals across the business and functional risk segments. The assignments included first assessing the „as is state‟, identification of gaps versus best practice, their adaptation and inclusion after business and risk management consensus and then the production and implementation of the Manual through training sessions and workshops. In one case the institution had businesses in over 100 countries and the Manual had to have „local buy in‟ and be designed in a manner that minimized exceptions and facilitated business across multiple geographies.
BankT&D Consulting delivered to all these
institutions a comprehensive and practical
Group Credit Policy Manual (GCPM) that
clearly articulated each institution‟s guiding
principles and general lending (credit risk)
policies. For ease-of-use and inclusion of future
policy amendments, the GCPM was designed to
allow for page-by-page changes. The soft-copy
of the manual is stored in a secure electronically
indexed form, which allowed for search
capability by key-words, searches by any
combination of key-words, or by entire phrase.
Exceptions and disruptions to the business were
minimized and global best/dominant practices
adapted to the institutions‟ credit philosophy,
bench strength and complexity of business. The
manuals were „rolled out‟ through interactive
training sessions and web- based training
materials.
Substantial improvement in
workflows, efficiency and audit trails
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 26
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Review of Bank’s
Retail Risk
Organization and
Structure
Major Saudi
Arabian Bank
A major regional bank in Saudi
Arabia with a large consumer
presence wanted to review its
risk organisation and structure.
The scope of the project was
wide and covered the entire
consumer cycle ranging from
sales and initiation to
collections. The project
required a review of all the
consumer product programs,
operating process manuals, MIS
decks, audit reports, business
plans etc. In addition, it
involved several meetings and
discussions with risk business
heads, product heads,
collection staff, operations staff,
finance officers, analytics staff,
etc . It also involved specific
drill down of MIS and
preparation of simulations to
analyse trends and a full review
of current operational
processes to identify any risks .
The assignment was completed in over three months
after extensive investigation, staff interviews and
analysis. An exhaustive report covering all aspects of
the project was completed by a BankT&D Consulting
credit expert . Anew organisational structure was
recommended to optimise risk controls and eliminated
the redundancy of layering as well as duplicate analysis
and systems. Roles and responsibilities were clearly
defined. A framework to develop credit staffing
resources and sharpen their skills was provided. All
the recommendations relating to organisational issues
were subsequently implemented.
The product and portfolio recommendations were
exhaustive and highlighted both major and minor risk
issues in every product line together with solutions for
immediate and medium-term implementation.
Inadequacies in MIS and process were highlighted
together with recommendations for improvement. A
template was provided for ongoing portfolio reviews
that covered key risks and highlighted any risky trends.
The impact of implementation was also provided. The
“quick kill” recommendations were immediately
implemented by the bank and a plan with target dates
was put in place to implement the other
recommendations that required system amendments
or other enhancements.
Substantial improvement in Risk
Profile and audit trails
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 27
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Merger of 4 Card
Businesses and
their Sale as one
unit
International
Banking Group
An international banking group
wanted to sell a credit card
related business operating
across four countries as one
entity. The card businesses
operated as an integrated part
of the banking group in each
country subject to different
legal, labour, tax and regulatory
regulations.
Acting on behalf of the seller, the transaction was
structured so that the four businesses could be sold as
one and treated as a sale of business as opposed to an
asset sale. This structure avoided a long, drawn out
sales process while ensuring compliance with all local
legal, labour, tax and regulatory regulations. The
transaction took four months of negotiations and
involved the signing of 18 agreements including a two
year transitional services agreement.
The benefit of the sale was
immediate in terms of a
substantial gain plus the client
managed to dispose of a non-
core business. This freed up
management resources and
provided funds to be deployed
to more profitable businesses.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 28
Client and ServiceProject and Key
ChallengesBankT&D Approach Results and Benefits
Acquisition of a
Commercial Bank in
Pakistan
BankT&D Consulting
represented a group of
institutional investors acquiring
a commercial bank in Pakistan.
The group included a global
multilateral financial institution,
a large Middle Eastern bank, a
Japanese bank and a UK Private
Equity fund.
BankT&D Consulting coordinated all aspects of the
due diligence process and submitted recommendations
on the key factors impacting valuation. We provided a
team for the due diligence covering portfolio credit
risk, operations, technology, human resources, retail
branch network and physical facilities.
We were also tasked with coordination of the
contribution by external advisors (deal lawyers,
accountants, fixed assets and collateral valuers, and
escrow agents).
The deal was concluded in
March 2008 after which
BankT&D Consulting has been
providing consulting and training
services for repositioning and
transformation of the acquired
bank.
Our Experience
Appendix – Our Experiences
© 2010 BankT&D Consulting 29
Contact Us
BankT&D Consulting Details:
Mailing Address:
BankT&D Consulting
Suites 18-20, 4th Floor, One Crown
Square, Church Street East, Woking,
Surrey GU21 6HR, United Kingdom
Phone: +44 1483 776888
Fax: +44 1483 747892
Website: www.banktandd.com
Islamic Banking Services Contact:
Hussain Mazhar
Director - Islamic Banking Services
BankT&D Consulting
Phone: +973 39940390
Fax: +44 1483 747892
Email: