Gap assessment
Your current position against the guideline your supervisor actually issued, not against the Basel text.
Advisory
Basel, at the scale you actually operate.
The standard was written for internationally active banks. Your supervisor has adapted it. We implement what sits between the two — proportionately, and without importing complexity you will never use.
Context
What you are facing
Proportionality is easy to state and hard to implement.
Your supervisor has issued a guideline adapted from a framework designed for banks fifty times your size. Some of it maps cleanly onto your balance sheet. Some of it addresses exposures you do not hold. And some of it is silent on the exposures that dominate your book — agricultural lending, group guarantees, mobile-originated credit.
Implement the whole framework literally and you build machinery you will never use. Implement it loosely and the first thematic review finds the gap. The work is in deciding, defensibly, which is which.
Deliverables
What we deliver
Concrete outputs, not activities.
Risk-weighted asset calculation
Credit, market and operational risk under the standardised approaches, including credit risk mitigation and collateral recognition.
Capital adequacy computation and reporting
Built to produce the return, not to sit beside it.
Capital planning
Projection, buffers, and the capital actions available under each scenario.
Basel IV readiness
Revised standardised approaches and the output floor, assessed for what they change for an institution of your size rather than in the abstract.
Capacity building
Because a capital framework the finance team cannot maintain reverts to a spreadsheet within two reporting cycles.
Methodology
How we work
Step 01 of 04
01
Discover
Your balance sheet, your supervisor’s guideline, and the last supervisory correspondence you received on capital.
Jurisdiction
Delivered under Bank of Uganda capital adequacy requirements, and applicable to the proportionate Basel II and III regimes operated by the Central Bank of Kenya, the Bank of Tanzania, the National Bank of Rwanda, the Bank of Botswana and the Bank of Zambia.
Where we have done this
Capacity building and implementation support at six Ugandan institutions — commercial banks and microfinance institutions — covering proportionate adoption, risk-weighted asset calculation and capital adequacy assessment. For most, the Basel work led directly into the ICAAP.
Related services
The deepen motion — where existing clients extend.
Next step
Start with the gap.
A gap assessment against your supervisor’s current guideline takes two to three weeks and tells you what the rest of the work costs.