Banks, NBFIs, insurers, and investment managers operate under some of the most demanding compliance regimes in Pakistan. UMCO provides the specialist assurance and advisory that regulators and boards require.
Pakistan's financial-services sector — commercial banks, microfinance institutions, NBFIs, insurance companies, and asset managers — is subject to overlapping regulation from SBP, SECP, FBR, and the Financial Monitoring Unit. Each regulator has specific audit, reporting, and governance expectations.
UMCO's financial-services team has worked alongside institutions navigating SBP BPRD circulars, SECP NBFC regulations, AML/CFT programme assessments, and IFRS 9 provisioning transitions. We combine regulatory knowledge with practical audit methodology to deliver opinions that stand up to examiner scrutiny.
ISA-compliant audits aligned to SBP and SECP reporting formats and disclosure requirements.
Expected-credit-loss model design, validation, and provisioning impact analysis.
Gap analysis, policy review, and remediation planning against FATF and SBP/SECP requirements.
Preparation and review of prudential statements, AGM financials, and regulator submissions.
Specialist internal audit support for compliance, treasury, and credit-risk functions.
Operational risk registers, control testing, and Shari'ah-compliance reviews for Islamic institutions.
Statutory audits that satisfy SBP, SECP, and international group-auditor requirements.
Explore serviceAML/CFT programmes, IFRS 9 models, and regulatory-compliance frameworks.
Explore serviceBanking and insurance sector tax advisory including minimum tax, super tax, and WHT compliance.
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