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Regulatory rigour for regulated institutions.

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.

Overview

Financial Services

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.

0Regulatory findings missed
IFRS 9ECL advisory completed
AMLFATF-aligned programmes built
What we do for you

Statutory & Prudential Audit

ISA-compliant audits aligned to SBP and SECP reporting formats and disclosure requirements.

IFRS 9 & ECL Advisory

Expected-credit-loss model design, validation, and provisioning impact analysis.

AML/CFT Programme Assessment

Gap analysis, policy review, and remediation planning against FATF and SBP/SECP requirements.

SBP & SECP Regulatory Reporting

Preparation and review of prudential statements, AGM financials, and regulator submissions.

Internal Audit Co-sourcing

Specialist internal audit support for compliance, treasury, and credit-risk functions.

Risk & Controls Review

Operational risk registers, control testing, and Shari'ah-compliance reviews for Islamic institutions.

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