Representative engagements shown as they unfold: client situation, diagnostic finding, Sterling intervention, and quantified outcome. Details are anonymised to protect client confidentiality.
Selected outcomes delivered by Sterling's founder, Sridhar Aiyangar, across 30+ years in senior balance-sheet, Treasury and Finance roles at global banks (Bank ABC, Standard Chartered, ANZ and EY), and by the Sterling team. Figures are indicative and anonymised.
Rising cost of risk and tightening capital, with capital tied up in low-return assets.
Material RWA inefficiency and methodology gaps limiting capacity to grow without raising equity.
RWA re-profiling, methodology alignment, RAROC-based origination discipline, portfolio rebalancing and a refreshed capital plan.
Capital freed and redeployed into higher-return client assets, creating a durable annual revenue opportunity without additional equity.
Growth constrained by low ROE, funding concentration and weak capital accretion.
Funding, capital and portfolio were managed in silos — excess liquidity drag and exposure to weaker credits.
Revised FTP & CASA incentives, new liquidity policy, RAROC-based origination, portfolio rebalancing and a capital management framework.
Stronger balance sheet resilience, diversified funding and an enhanced credit profile — underpinned by ICAAP, ILAAP, IST, CFP and Recovery Plan.
A regional domestic bank materially under-earning versus peers, with a high cost of funds and heavy reliance on expensive institutional funding.
Six discrete, low-risk levers across capital, funding, liquidity and non-earning assets — no new material risk, all upside.
Risk participation of a capital-intensive large exposure to free capital; an optimised funding structure delivering a lower cost of funds and better liquidity metrics; a digital deposit channel to grow low-cost customer funding; and redeployment of non-earning assets into earning assets.
A phased 12–18 month roadmap that nearly doubled return on equity and recurring profit while strengthening capital and structural liquidity — with no new material risk.
Client references and fuller credentials are available on request under appropriate confidentiality arrangements.
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