GLOBAL EXPERIENCE,
PRACTICAL EXPERTISE

Credentials & Case Studies

We provide our banking clients around the world with a comprehensive consulting and advisory service, from the strategic level right down to the implementation of effective change on the ground, side-by-side with our clients. The range of our assignments, and our unparalleled geographic experience, means we have seen a wide array of challenges. Our consulting toolkit covers the A-Z of commercial banking, whether it’s corporate governance, strategy & finance, risk management, human resources, or sales and marketing for retail, SME and corporate banking markets.

United Kingdom

City of London skyline at dusk

» Private Equity Group: Consultancy on Developing a Peer-to-Peer SME Lending Venture

» Department for International Development: Study on Climate Change Financing Options

» Department for International Development: Banking and Finance Policy Advice

» Office of Fair Trading: Support to the Competition Commission reporting on Banking Services to SMEs

» Regular Training Courses in International Financial Markets to International Policy Makers

Europe

» Ukraine: Training Courses in Corporate Governance and Banking Organisation Structure

» Bank Kedr (Russia): Capacity Building of Corporate Credit

» Megabank (Ukraine): Strategic Planning

» Market banca (Bosnia and Herzegovina): Strategic Planning

» Nova banca (Bosnia and Herzegovina): Credit, Market and Operational Risk Management

» Kreditprombank (Ukraine): Corporate Advisory

» European Bank for Reconstruction and Development: Review of Leasing Company Investment Portfolio

National Securities Commission (Romania): Strengthening of Bond Markets

» Casa de Economii si Consemnatiuni (Romanian Savings Bank): Restructuring, Due Diligence, and Privatisation Advisory

» Privedna banca (Serbia): Strategic Planning and Asset and Liability Management

» Serbia: Liquidation and Resolution of Banking System

» European Bank for Reconstruction and Development/ European Commission: Evaluation of SME Finance Facility

» Crnogorska Komercijalna Banka (Montenegro): Strategy and Organisation, Corporate Governance, Asset and Liability Management, and Human Resources

» Ministry of Trade and Economic Development (Armenia): Development of Corporate Governance Code

Middle East

» Commercial International Bank (CIB), Egypt: Training Course in Corporate Banking Customer Relationship Management

» Arab Banking Corporation: Retail and SME Credit Policy Development

» Egyptian Banking Institute: Training Courses in Corporate Governance and SME Banking

» Palestinian Monetary Authority: Training Needs Analysis

» International Finance Corporation: Evaluation of Corporate Governance Advisory Services in Egypt and Pakistan

Manama skyline at night

Asia

» China Export Development Bank: Credit Line Due Diligence

» Techcombank (Vietnam): SME Strategy and Business Plan

» Bank for Investment and Development of Vietnam (BIDV): Strategic Planning

» UK Department for International Development (Bangladesh): Diaspora Investment Promotion

» Mongolian Financial Regulatory Commission: Development of Insurance Regulation

» Golomt Bank (Mongolia): Strategic Planning and Corporate Advisory

» Mongolian Commercial Bank: Buy-side Due Diligence

» Aga Khan Agency for Microfinance (Pakistan): Advice on Development of Microinsurance Market

» Rupali Bank (Bangladesh): Restructuring and Advisory on Privatisation Options

» Agroinvestbank (Tajikistan): Strategic Planning and Organisational Restructuring

» China, Ethiopia, Tanzania, and Zambia: Study of Value Chain Economic for World Bank

Africa

» National Microfinance Bank (NMB), Tanzania: Training Course in Wholesale Banking Customer Relationship Management

» Aga Khan Agency for Microfinance (Tanzania): Advice on Development of Microinsurance Market

» Rokel Bank (Sierra Leone): Seller's Due Diligence

» GTBank, Liberia: Training Course in Corporate Banking Customer Relationship Management

» Uganda Commercial Bank: Evaluation of Sale

» Economic Community of West African States: Study of Regional Integration of Financial Sector

» South Africa: Study of Enterprise Development Strategy for World Bank

» Central African Building Society (CABS), Zimbabwe: Training Course in Corporate Banking Customer Relationship Management

» Ethiopia: Study of Industrial Selection Methodology for World Bank

» World Bank: Value Chain Analysis of Sub-Saharan Africa

» Commercial Bank of Zimbabwe (CBZ), Zimbabwe: Training Courses in Corporate Banking Customer Relationship Management

» Government of Kenya: Private Sector Development Strategy

» Mauritius: Strategic and Curriculum Support to Regional Economic Training Centre

Caribbean

» Development Finance Corporation of Belize: Diagnostic Review and Strategy Development

» Inter-American Development Bank: Evaluation of Caribbean Microfinance Capacity Programme

» National Bank of Belize: Bank Start-up Advisory and Business Planning

Satellite map of Caribbean

Strategic and Risk Management Advisory in Vietnam

The Bank for Investment and Development of Vietnam (BIDV) is one of the largest banks in the country with assets over US$ 20 billion focused on a portfolio of private and state-owned mid-cap and corporate enterprises. BIDV, with funds sourced partly through a World Bank facility as well as internal resources, have retained GBRW as consultants regularly for nearly eight years. We have focused on many topics including strategy and organisation, corporate governance, risk management, strategic marketing, human resources, and management information systems.

GBRW continues to be retained by BIDV and is currently working to refine the strategic and performance management framework (using the Balanced Scorecard methodology) and also the development of the Retail Banking strategy.

BIDV Tower in Ha Noi

Strategy, Governance and Risk Management Consulting in Ukraine

Branch of Kreditprombank in Ukraine

KreditPromBank is a mid-tier universal bank in the Ukraine with a franchise of over 400,000 retail customers and nearly 20,000 corporate customers. It has a total of 12 main branches across the country controlling 158 sub-outlets. GBRW was engaged by KreditPromBank under a contract sponsored by the European Bank for Reconstruction and Development to undertake a capacity building project covering strategy governance and risk management.

Shortly after launching the assignment, the Bank went into default and GBRW’s mandate was extended to cover the management of Non-Performing Loans and financial restructuring of the Bank. Specific activities included the review and development of the Bank’s Strategic Plan, advice on improvements to Corporate Governance and Organisational Restructuring, and finally the reorientation of the Bank’s SME banking business and operating model.

Training in SME Banking in Egypt

GBRW is a trusted training vendor to the Egyptian Bankers Institute and delivers a range of specialist programmes to supplement its industry standard SME banking qualification. GBRW trainers have covered topics including risk management, product development, and customer relationship management for SMEs, in a series of regular events dating back several years. This training is designed to be highly participative, and is illustrated by deep and colorful case studies, interactive tools, and group exercises. GBRW trainers regularly receive some of the highest evaluation scores from EBI delegates.

Certificate of achievement for GBRW Learning course

Find out more about GBRW Learning »

Start-up Bank in the Caribbean

GBRW supported the National Bank of Belize in its start-up operations, including developing a three-year business plan for the Bank. In addition, practical support int he provision of tools, templates, models and methodologies were provided, covering a wide range of functions including strategy, marketing and product development, risk management, and human resources amongst others.

The National Bank of Belize was awarded a banking licence by the Central Bank of Belize and Belize’s Prime Minister, Hon. Dean O. Barrow, officially opened the Bank at a ceremony on 2 September 2013.

Artist's rendition of new National Bank of Belize HQ

Corporate Customer Relationship Management Training in Zimbabwe

Cover page of GBRW Learning Corporate Banking CRM course

GBRW developed and delivered a series of training courses in Harare for the Commercial Bank of Zimbabwe, one of the country's leading banks. The courses were attended by over 60 staff throughout the bank, with a view to supporting the roll-out of the bank's new CRM software.

The course led participants through both the strategic and tactical elements of Customer Relationship Management for corporate customers; choosing a customer focus versus a product focus, strategic segmentation, developing the Customer Value Proposition, managing the salesforce and finally, to direct negotiations with customers and prospects and approaches to avoiding the 'price trap'

Download course prospectus »

Find out more about GBRW Learning »

Capacity Building of Development Finance Institution

The Development Finance Corporation of Belize (DFC) is a government-owned financial institution with a mandate to support productive sectors of the economy currently under-served by the mainstream financial sector. GBRW was engaged by DFC to take a wide-ranging diagnostic review of their operations and preparation of a 5-year Strategic Plan. This Plan was to encompass a suite of strategic initiatives which would underpin improved performance and stakeholder satisfaction over the medium-long term.

In addition, GBRW provided tactical consulting services and knowledge transfer across a wide range of topics including credit policies and procedures (notably for the emergent SME set), a risk pricing model, revised policies and protocols for the Risk Management division, the Audit Committee, the Board of Management and the Company Secretary, and the guidelines on Anti Money Laundering and Combating Financing for Terrorism.

Development Finance Corporate of Belize logo

SME Banking Strategy and Customer/ Product Toolkits

Techcombank is a medium size commercial bank 15% owned by HSBC, specialising in retail and SME business. Funded by the IFC’s Mekong Private Sector Development Fund (MPDF), the contract was to help the Bank build a cohesive SME banking strategy.

In particular, Techcombank was looking for support in implementing this strategy through the development of some customer and product ‘toolkits’. Following the execution of a portfolio review and strategic segmentation exercise, we developed a detailed strategic roadmap for Techcombank including detailed recommendations on risk appetite and acceptance criteria.

In addition, we developed a series of templates which supported the swift, concise and specific identification and description of customer segments, and the development and specification of new products. Techcombank continues to be a leader in SME banking in Vietnam, with a strong relationship with both IFC and GBRW.

Download Key Principles of SME Banking »

SME Development Finance in China

China Development Bank tower

GBRW implemented a project to assist a large state owned bank in China, which had received large long-term loans from international agencies, to evaluate and then assist Participating Banks (PBs) to on-lend those longer term loans to their micro and SME clients. The main issue was not finding and evaluating potential PBs, which were numerous, but getting those PBs once they had been approved to draw down the loans and on-lend them.

Partly it was a question of price - although the funding cost from the international agencies was below market rates the state owned bank applied a mark-up when it on-lent to the PBs. Partly it was that the PBs did not see the need for medium term funds, when short-term funding from their own resources was cheaper for them. Partly they didn’t want to collect reports from the branches and pass on information on their clients to the state owned bank which was a potential competitor. Thus overall draw down of the funding from the international agencies was low and there was a danger that they would withdraw the facilities.

GBRW proposed a restructuring that made the facilities more attractive to the PBs and encouraged greater usage of the facilities.