Services for Commercial Companies
A specialist risk management consultancy combining decades of banking experience with academic excellence.
Financial institutions are increasingly finding themselves in a fundamentally altered risk and regulatory environment, navigating a new competitive landscape with evolving business models. We have been involved with continually evolving credit risk management for decades and, therefore, are very familiar with local environments.
CORPORATE ADVISORY
Management approach which is effective & efficient, encompassing not only the management team but overall organization structures, capacity, and tools necessary to support for growth, and profitability improvements are areas we will look at. Once a company is managed effectively & efficiently:
​
-
We provide a Business Roadmap for corporation to run in the 3-5 years framework
-
Drivers for Growth:
-
Strategic Direction : we review industry trend, market size, competitor landscape, and the company’s current positioning. We help define, sharpen company’s business proposition as their strategic direction.
-
Product Mix : we evaluate the efficiency of product mix at hand, recommend potential synergistic new products to enhance sales, and therefore the margin.
-
-
​​
-
Distribution Plan : we evaluate and propose channels of distribution for current business as well as future expansion plan; by taking into account on the sales effectiveness and efficiencies.
-
Distribution Channels Efficiencies
-
Capacity Planning
-
Tools/System to enhance efficiencies
-
Cost Management : we evaluate the various costs in place, review productivities and identify any potential efficiencies through process efficiency initiatives :
-
Process improvement
-
Automation
-
Removal of Redundancies
-
-
Management Capabilities : we evaluate and recommend the way the organization is structured to ensure effectiveness is in place:
-
Organization Structure:
-
Key Management Development: succession planning
-
-
Financial Projection : based on the industry trend, and the current business operating model, adjusted with any new investment, growth or cost management initiatives, we will develop the realistic Financial Projection for the business in the coming 3-5 years.
-
​
-
We provide Company Valuation for Potential Investors to participate in the growth of the company
LOAN RESTRUCTERING
Loan Restructuring for a company would require an understanding on the types of business, the current loan repayment gap and cash flows from operation to determine the best fit loan repayment. A mismatch of such would create a lot of operational disruptions, and high operational as well as opportunity costs for the company.
​
-
We will work with the lending Bank to develop a realistic and achievable business restructuring plan for the next foreseeable period of operating plans by also taking into account the possible cost management initiatives, and growth plan.
​
-
Post loan restructuring, we continue the communication with all parties involved and will advise the lending Bank to ensure the business executes the restructuring plan and if the restructured loan needs to be revisited for strong and acceptable reasons.
CREDIT RISK MANAGEMENT
Corporations with wide network of distributions often have to look at their buyers’ payment timeliness and pattern, to make early identification of any potential problem with buyers, which may affect financial performance of the company.
-
We perform a thorough analysis of the existing financial performance, organizational structure, distribution management, distribution portfolio performance analysis, current credit processes and policies, before we develop recommendations.
​
Our vast experience in the banking sector, particularly in credit risk management area has given us in-depth knowledge of various industries, corporate or SME business practices, as well as Banking Network in Indonesia. We gained expertise in working together with various businesses to achieve their Financial Objectives, working with them in during downturn period and resolving various potential bad-debts.
