Transactional Services
Reducing Cost Inefficiencies in Transactional Products and Services (TPS) Division – Outward Telematic Transfers (OTT) Overview Overview Aspect Advisory partnered with the Transactional Products and Services (TPS) division of a leading banking group to conduct a Proof of Concept (PoC) initiative focused on reducing cost inefficiencies associated with Outward Telematic Transfers (OTT). OTT services play […]
Loan Application Robot
From Data to Insights: How a Loan Application Robot Can Help to Unveil Patterns Across Thousands of Applications Overview In an era where information is abundant yet often untapped, our client, a large development bank in South Africa faced an all-too-common predicament. Despite storing loan applications in spreadsheets, they struggled to uncover portfolio patterns and […]
Enterprise Risk Management Framework
Automation of Enterprise Risk Management Framework (ETR) – A news event triggered dashboard Overview In today’s rapidly evolving financial landscape, external events such as social, economic, and political developments can have profound impacts on financial institutions. To proactively mitigate risks, a large Development Finance Institution (DFI) sought to enhance its Enterprise Risk Management (ERM) Framework […]
Expected Credit Loss (ECL)
Automation of the Expected Credit loss (ECL) and Pricing tools for a Development Finance institution (DFI) Overview A leading Development Finance Institution (DFI) engaged Aspect Advisory to enhance its Expected Credit Loss (ECL) models, risk-based pricing capabilities, and IFRS 9 reporting. The institution required a modernised, automated approach to ECL calculations and risk-based pricing, moving […]
Enhancing Asset and Liability Management
Enhancing Asset and Liability Management Overview A microfinance institution (MFI) faced severe inflationary pressures due to an ongoing economic crisis in its region. The resulting economic volatility led to a maturity mismatch in its asset and liability management (ALM), creating financial instability and increasing liquidity risks. To restore financial stability and align its ALM practices […]
Budgeting Capital and Liquidity Planning
Budgeting Capital and Liquidity Planning Overview Overview A German bank, part of a French-based multinational financial services company, was required to implement group-wide software for interest rate and liquidity risk monitoring and management. The objective was to ensure regulatory compliance, risk-informed decision-making, and alignment with group-wide financial planning processes. Aspect Advisory was engaged to lead […]
Interest and Liquidity Risk management
Interest and Liquidity Risk management Overview Overview A German bank, part of a French-based multinational financial services company, was required to implement group-wide software for interest and liquidity risk monitoring and management. This initiative aimed to enhance regulatory compliance, ensure consistency across group entities, and improve financial performance through risk-informed decision-making. Aspect Advisory was engaged […]
Strategic partnership with Agricultural Cooperative
Strategic partnership with Agricultural Cooperative Overview An exciting partnership that allowed Aspect advisory to offer strategic and technical assistance to a South African agricultural cooperative on the premise of expansion. The cooperative landed a lucrative facility with an international DFI that warranted that it revamps its existing infrastructure, in particular, it’s credit and risk management […]
ECL Rating and Pricing tool Validation
ECL Rating and Pricing tool Validation Overview A project that can only be described as a demanding quantitative project that required ingenious approaches; a South African-based Developmental funding institution tasked Aspect Advisory with validating its existing risk-based pricing tool and expected credit loss (ECL) rating tool and methodologies as deployed within the risk management framework; […]
Regulatory handbook review
Regulatory handbook review Overview In this very informative project, Aspect Advisory was tasked with reviewing a multi-national corporate bank’s regulatory framework aimed at informing its line managers on the bank’s code of conduct, latest governance trends in anti-money laundering, sanctions and anti-bribery and anti-corruption. The bank had complete compliance handbooks that needed Aspect Advisory’s assurance […]