Financial Services and Treasury

Achieve sustained advantage by navigating risk and regulatory changes with flexibility and agility

Financial services firms operate in a complex and rapidly changing business environment. They manage challenges such as complex global regulatory changes, aggressive competition, increased cost pressures, operational inefficiencies and financial and non-financial risk.

At PwC, we know that to succeed in this environment, you need a nimble strategy and the right tools and technologies. We understand how to prepare for the unexpected, to effectively and efficiently handle change and proactively manage new regulatory challenges and risks when they emerge.

Our team of former industry executives, senior regulators and experienced consultants are innovative leaders with the insight, industry experience and regulatory knowledge to help your organization accelerate growth and sustain advantage in the marketplace.

Financial services firms operate

PwC’s FST team helps financial institutes and corporates manage their financial, capital, credit, market and climate risks. 

Review and develop effective capital management frameworks in line with business growth needs

Develop proactive risk management capabilities and prepare organisations mindset towards managing credit risk

Manage risks associated to market volatility and unpredicted movement of markets

Manage product development, pricing of insurance products and risk and asset liability management

Creation of a strategy and governance framework and help integrate climate change-related risks

Prepare and respond to risks associated with foreign exchange, commodity, cash and working capital management

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Review and develop effective capital management (Pilar 1 and Pillar 2) frameworks in line with business growth in normal conditions and under stress scenarios. Develop risk appetite framework. 

Capital is the scarcest resource in the financial services industry. Chief executives across financial institutions (FIs) – banks, non-banking financial companies – are actively involved in capital management and efficient allocation of the same as per business needs. Capital management involves major aspects such as stress testing, Internal Capital Adequacy Assessment Process (ICAAP) and Internal Liquidity Adequacy Assessment Process (ILAAP).

Our financial risk and regulations team supports FIs in the reviewing and framing of stress testing policy for credit risk, market risk, liquidity risk, and reviewing and development of ICAAP/ILAAP frameworks.
 

Benefits

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Effectively manage portfolio composition and capital allocation decisions and understand overall balance sheet health. 

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Build a holistic and a forward-looking approach to liquidity through ILAAP frameworks.

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Effectively manage liquidity, risk profile, resources/controls with robust ICAAP framework.

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Adhere to both regulatory requirements and compliances in a timely manner. 

Deliverables

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Stress testing and ICAAP policy framework covering governance and risk appetite

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Development and validation of the ICAAP/ILAAP for the bank

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Reviewing and framing of stress testing policy for credit, market and liquidity risks

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Assisting banks to present Pillar I and II capital for each of the risks in the ICAAP document 

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Reviewing ICAAP document / models for the bank

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Assistance in presenting the available capital versus the required capital and the resulting capital buffer 

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Development of material risk models like reputational, concentration and group risks

Who are we

We are a team that includes subject matter experts with deep industry experience and from varied backgrounds including banking, risk management, treasury, rating analyst, information technology, and consulting. This enables us to address a variety of client issues.

  • The team’s skill sets and competencies span multiple fields that demand an in-depth knowledge of quantitative methods across derivatives and risk analytics, predictive and decision modeling, and scorecard development and quantification of business risk
  • Pricing, valuations and financial risk management across various asset classes including fixed income, equities, currency, rates, commodities and credit markets
  • Banks and corporate treasuries
  • Financial modeling
  • Regulatory remediation

Featured Publications

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Contact us

Kuntal Sur

Kuntal Sur

Partner - Risk Consulting and Leader - Financial Services & Treasury Risk Management, PwC India

Saurabh  Batra

Saurabh Batra

Partner, PwC India

Saigeeta Bhargava

Saigeeta Bhargava

Partner, Financial Services and Treasury, PwC India

Manish  Maini

Manish Maini

Partner, Financial Services and Treasury, PwC India

Aman Gupta

Aman Gupta

Partner, Financial Services and Treasury, PwC India

Dipesh  Doshi

Dipesh Doshi

Partner, Financial Services and Treasury, PwC India

Kapil Todi

Kapil Todi

Managing Director, Financial Services and Treasury, PwC India

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