Banking · Joint Heirs

Where the work concentrates

The work in banking.

Net interest and funding

We work on the cost of funds, the pricing of the book, and the spread the bank earns on it.

Credit and the loan book

We work on credit quality and, where it is needed, the clean-up and restructuring of the book itself.

Fee income

We work on the fee-earning side of the bank, and the products and pricing behind it.

Operations and technology

We simplify the back office and modernize the systems that carry the cost of running the bank.

Our approach

The spread, the book, and the back office.

We work on where a bank actually makes and loses money: the spread, the credit book, the fees, and the cost of the operation. When the book itself needs restructuring, we do that work, at the scale it requires, including across borders, and we stay close to the risk and regulatory reality throughout.

The capabilities we bring to this work

When we are called in

The situations behind this work.

The net interest margin is being squeezed.

Credit losses are rising and the book needs attention.

The cost-to-income ratio is too high.

Legacy systems are holding back both cost and product.

Bring us the problem.

Whatever the sector, the work is the same. Tell us where the business is stuck, and we will tell you what we see and how we would fix it.

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