Contact@esgweise.com | +971585075373
Integrated financial-risk services for banks and non-bank finance institutions across the GCC.
Defensible IFRS 9 ECL models, robust ICAAP and stress-testing, and regulator-aligned policies & controls — all delivered by senior practitioners.
Audit-ready Outputs and designed to satisfy auditors, supervisors (CBUAE / CBB / SAMA) and boards.
IFRS 9 ECL Modelling & Validation
What we do:
Design, build and validate end-to-end ECL frameworks — PD, LGD, EAD, staging (SICR), PIT mapping and overlays.
Value:
Transparent, auditable models that produce defensible provisioning and clear disclosure language.
Typical deliverables:
Excel or system model files, methodology document, validation report, disclosure language, management pack.
ICAAP & Stress-Testing
What we do:
Scenarios, macro model transmission, balance-sheet projections, capital impact and reverse stress testing.
Value:
Quantify capital resilience, identify concentration risks and produce regulator-ready ICAAP outputs.
Typical deliverables:
Scenario booklet, projection engine outputs (CET1 / RWA / liquidity), sensitivity analysis, board pack.
Policies, Governance & Internal Controls
What we do:
Policy (risk appetite, SICR, restructuring), model governance, data lineage & control frameworks mapped to CBUAE standards.
Value:
Reduce model & reporting risk, ensure auditor/regulator readiness and embed repeatable controls.
Typical deliverables:
Policy docs, RACI, data dictionaries, reconciliation logs, validation matrices and remediation plans.
