Our Services | Building Financial Resilience
Sterling Consulting Services | Building Resilience Today, Creating Value for Tomorrow
Sterling Consulting Services is a specialist advisory firm dedicated to empowering financial institutions with strategic guidance in Balance Sheet Management, Capital and Liquidity Management, Risk Management and Rating Advisory. Sterling Consulting brings together seasoned industry professionals with deep domain expertise in navigating the complexities of regulations in financial services. Our team can provide coverage across the UK, MENA, Singapore and India.
In an increasingly dynamic and regulated financial landscape, effective balance sheet management is quintessential to support a strong credit profile which is critical driver of institutional resilience, profitability, and sustainable growth. Sterling Consulting bridges the gap between regulatory imperatives and strategic objectives, offering tailored advisory solutions that help clients optimise their Balance Sheet, manage risk, enhance capital efficiency, improve funding stability, enhance credit profile and strengthen overall financial performance. Sterling Consulting is committed to delivering insight-driven, actionable advice that translates into measurable value for its clients.
At Sterling Consulting Services, we don't just advise — we partner with you to build stronger, more resilient balance sheet and compelling credit profile for the future.
OVERVIEW OF SERVICES PROVIDED
DETAILS OF SERVICES PROVIDED
Governance and Risk Framework
Develop/Review of Governance framwork for Strategic oversight of Balance Sheet and asset and liability structures to ensure financial stability and resilience.
Establish Committee structure (ALCO, CSC, LSC) with appropriate TORs and assist in development of Policies / Standards for:
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Capital management
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Funding and Liquidity management
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Funds Transfer Pricing
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ALM Limits
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IRRBB management
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Integrated Stress Testing
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Fx Hedging
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Dividend payout
Develop templates and dashboards and committee packs
Portfolio Performance Analysis and Management
Data-driven portfolio performance analysis to balance risk and return across diverse asset classes and credit exposures.
Review of Portfolio Mix to determine:
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Country of risk concentration
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Segment concentration
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Top Client concentration
Develop strategies to improve portfolio mix and mitigate the impact of concentration (country, segment and Top 20)
Assess Realised RAROC at a Client Relationshiop, Portfolio and Entity Level to foster efficient capital allocation to improve return on capital.
Central Bank Regulations & its Implications
Review of the Central Bank's regulatory and Supervisory framework to assess implications for Banks.
Risk weights unrated banks operating in markets with weaker regulatory and supervision framework would have punitive capital charge under Basel 4 and hence, increase cost of borrowing.
Review Central Bank Liquidity structures to support the banking system stability and assess implications for systemic liquidity.
Review Banking Supervision Framework and Market Disciplines to assess implications for the Operating Environment Score for the financial sector.
Review of Bank’s Risk Management frameworks to ensure compliance with central bank regulations and benchmark it with international best practice.
Sterling Consulting Services | Building Resilience Today, Creating Value for Tomorrow
Capital Management
Develop and implement capital management framework. Review of Business plans and capital plan to assess capital adequacy under BAU and Stress conditions.
Assess capital for risks not covered in Pillar 1 and establish appropriate risk appetite thresholds. Develop actions to optimise capital utilisation.
RWA optimisation through improved transaction structures, regulatory application and risk mitigation actions
Use RAROC for deal origination to support efficient capital deployment.
Develop/Review of ICAAP, IST and Recovery Plan documents
Support readiness for Basel 4 readiness and advise on capital optimisation ideas
Rating Advisory Services
Our Rating Agency Advisory Services provide expert guidance for institutions to navigate the complexities of credit ratings. We assess your current rating, highlighting strengths and weaknesses in relation to standards set by leading agencies such as S&P, Fitch, and Moody's.
At Sterling, we offer a comprehensive approach, including financial analysis, strategic recommendations for improving creditworthiness, and ongoing monitoring of the bank's key metrics that may impact your ratings.
Our team ensures you understand the rating process and criteria, helping you meet the necessary requirements for optimal ratings. Additionally, we assist in effective communication with the rating analysts and rating committee to foster trust and transparency.
With our advisory services, your institution can enhance its financial stability, optimise rating outcomes, improve access to capital markets, and achieve long-term financial goals.
Expert Support
We conduct independent review of your risk frameworks to ensure you remain fully compliant with all legal and regulatory mandates.
Our team performs specialised reviews of internal controls to enhance your operational risk controls.
We provide technical support for implementing new IT systems and automating management reports for better visibility.
We offer executive training on balance sheet management, ALM and other financial and regulatory topics.
Our specialists provide expert opiniononvaluation of illiquid (Level 3) assets and on private equity investments.
We also provide interim leadership and staffing to support your finance and risk management/reporting teams.
Funding and Liquidity Management
Review of funding stability by analysing funding sources, depositor concentration, refinancing risks, and asset/liability term structures
Optimise funding mix to improve regulatory liquidity metrics and cost of funds
Assess liquidity position and adeqaucy of liquid assets buffer informed by stress testing and contingency funding actions and counterbalancing measures
Establish appropriate risk appetite thresholds and EWIs
Review Internal Funds Transfer Pricing methodology to support Balance Sheet Objectives
Develop/Review of ILAAP, CFP documents