Improving your Bank's Return On Capital with Smarter Data Processing

With a combined banking experience of 100+ years, our principals work with you to develop data-driven insights into your customer base, enabling better-informed pricing of your customers and smarter account planning.

Our Services

Our suite of applications consists of financial models that help identify potential opportunities to improve customer profitability through revenue enhancement and/or cost reduction.

Tap the services for more information.

Customer Profitability

Customer Profitability

Our state-of-the-art financial models consider all elements of profitability in profiling your customers, such as transfer pricing, cost allocation, and risk-adjusted return on capital.

Customer Planning

CRM and Account Planning

Our Account Planning “Pack” is a set of analytical reports on Corporate and Retail customers designed to identify revenue-enhancing and cost-reducing opportunities at the individual customer level. We have a defined Account Planning process that we strongly advise our customers to adopt. The process enables you to set revenue targets for your Relationship Managers and monitor their progress.

Customer Acquisition

Customer Acquisition

Through analysis of customer remittance patterns, we help identify new customer acquisition and factoring opportunities. For example, beneficiaries (i.e. suppliers) of a reputable customer are prime targets for new customer acquisition and factoring, or reverse factoring, opportunities.

Costing of Services

Costing of Your Services

To adequately charge customers for services rendered, servicing costs at the front and back-office need to be quantified, such as remittances, LC issuance, cash deposits, and withdrawals, etc. Our cost models identify how much cost to recover from each of your customers to fully recover your total operating cost.

Inventory Optimization

Inventory Optimization

We help reduce your cash inventory through robust statistical analysis of customer transaction patterns. Balancing transportation with inventory holding costs, optimum inventory levels are determined. Excess cash can then be invested in earning assets.

Asset Composition

Asset Composition

A product-wise comparison of return on capital provides insight into what products to invest in, relative to others. For example, is short-term lending more profitable than long-term lending, or vice versa? We can answer these questions for you and help you achieve a more profitable asset composition.

VBA Automation

Excel Automation

If you are using Excel-based applications that have become unwieldy and require manual labor, we can automate the processes using the VBA development kit within Excel. This often results in substantial savings in man-hours, as well as mitigating errors that are inherent in manual processing.

Customer Pricing

Customer Pricing

Are you adequately charging customers individually in terms of ensuring an optimal return on capital?

Our financial models, taking into account customers’ usage of your bank’s infrastructure and their risk profiles, help identify areas of opportunity.

Economic Capital

Economic Capital

We assess the earnings volatility of your businesses – Retail, Corporate, Treasury, etc. to suggest the levels of Economic Capital required to support each business.

Marginal returns on capital are calculated for each business and its sub-businesses to identify segments where additional capital investment would deliver the best returns.

Powered by Excel

Excel Workbook

Our applications are fully working desktop solutions based on Microsoft Excel and VBA scripting. They can be configured for you in a relatively short period of time in the form of ‘working models’ with your employees working alongside us and getting trained in the concepts and execution.

If your organization already uses Microsoft Excel, no investment is required in any other technology apart from data extraction. Existing data extraction solutions at your bank can be easily integrated into our applications.

About Us

We are a proud Canadian corporation that offers a suite of content-rich analytical applications and consultancy services to corporate and retail banks. 

From helping you re-engineer processes to reduce costs, determine pricing policies to adequately charge customers, and balance and optimize your loan book, we provide the necessary applications and knowledge transfer to ensure the success of your business.

Family Business

Get in Touch

Interested in our services? Feel free to contact us to learn how we can help you solve your most critical challenges.

Meet Our Leadership Team

Tariq Profile

Tariq Iqbal

Managing Director

Tariq has over 33 years of professional experience in banking and consultancy. He has implemented customer profitability and account planning solutions in the UAE, Qatar, and Oman. Tariq has a wealth of experience in business intelligence, strategic planning, corporate banking, and IT.

Mohammed Profile

Mohammad Jamil

Executive Director

Mohammad has more than 32 years of experience in IT and Banking, and worked in various senior IT positions in the largest private bank in the UAE. He was a senior member of the design and development team that developed the bank’s bespoke core banking system.

Shahab Profile

Shahab Syed

Executive Director

Shahab is a seasoned risk management professional with over 25 years of experience in Operational Risk Management, Fraud Risk Management, Business Continuity Management and Internal Audit. He has developed and implemented risk management frameworks in major North American and Middle Eastern Banks.

Owais Profile

Owais Ahmed

Executive Director

Owais is an established leader with corporate finance expertise providing bespoke funding solutions to clients. He has developed and implemented business growth and relationship management strategies for several financial institutions focusing on product, client, portfolio profitability and resource optimization.

Irfan Zafar

Executive Director

Irfan comes with 30+ years experience in the areas of Data Management, Business Intelligence Consulting, and AI/ML based analytics to drive marketing. His experience has been in the Middle East and the US. His most recent experience is in Business Development and Technical Sales Management in Emerging Markets.

Talha Profile

Talha Tariq

Software Specialist

Talha possesses a wealth of experience in developing and testing software, be it for commercial drones, desktop, or web applications. He has proven capabilities in developing websites and integrating cloud services for protecting intellectual property.