Corporate, Commercial and SME Banking services

In Banking and capital markets

Rapid technology advances are reshaping the entire banking ecosystem, and Corporate, Commercial and SME (CCSB) banking sectors are not immune. EY is helping banks shift their focus back to growth, placing an increased emphasis on client experience, new technology and operational efficiency.

What EY can do for you

In the fast-changing digital world, banks recognize the need to adapt and innovate in order to grow. In CCSB banking, that means increased process efficiency, more effective use of data and analytics, and an enhanced client experience.

EY can help banks understand where they are now – and why they are where they are – before planning the next steps on their journey toward improved business performance in CCSB banking and credit operations. Fundamentally, we help banks make sure they have the right strategy, fit-for-purpose technology and focused talent to satisfy rising market expectations and shifting regulatory requirements.

Our focus areas include:

  • Transformation: business strategy, core systems, target operating model, business case development and conversion support
  • Digital enablement: integrated client platforms, rapid FinTech assessments, robotics proof of concepts, intelligent automation, platform conversion, innovation design
  • Optimization: process efficiency and improvement in key operations
  • Data analytics and insights: client onboarding, performance measurement, risk analytics

Reimagining the future for CCSB

EY’s CCSB banking consulting services are led by professionals with experience across commercial lending, transaction banking, treasury and cash management products, covering domains such as product, operations, technology, digital and robotics, risk and compliance, and data and analytics. Our team members have long and successful track records serving as product owners, underwriters, lenders, credit officers, treasury and payments senior managers, and bank examiners.

EY has launched its global network of growth and innovation centers to help clients catch the next wave in radical breakthroughs in business transformation by tapping into innovative thinking across EY disciplines, experience and industries. In addition, we have several active partnerships and collaborations within the FinTech industry, both as an investor and an innovator.

Case Study
The better the question. The better the answer. The better the world works.
Case Study

Case study: How one of India’s largest public sector banks merged and transformed itself

EY merged three large banks with smooth Day-1 integration, minimal disruption and new operating model.

Case Study
The better the question. The better the answer. The better the world works.
Case Study

How would the bank transform its operating model amidst a merger?

Successful Day-1 integration with best-in-class operating model design led to a holistic transformation.

One of India’s leading public sector banks merged with two other banks and the combined entity resulted in one of the country’s largest banking entities. It was the largest merger in the Indian banking industry at the time.

At the time of the merger, the bank’s primary objective was to achieve seamless Day-1 integration with minimal customer disruption and smooth structural, cultural, operational, and functional integration. The bank sought support to manage the scale and complexity of this integration. It also wanted to ensure that the combined entity realized all synergistic opportunities for future growth.

EY worked with the bank to deploy a destination operating model for providing a competitive advantage across the value chain. The new operating model set a foundation for scalable growth and higher efficiencies across sales, credit, collections, and internal operations.

Business transformation road map
Case Study
The better the question. The better the answer. The better the world works.
Case Study

EY led Day-1 integration and destination model roll-out to transform the bank

The transformation involved building an operating model with a revamped organizational structure, efficient operations and a culturally aligned workforce.

EY conducted a detailed diagnostic and comprehensive Day-1 readiness assessment across the business, support and control functions of the bank. The key focus areas were:

  • Harmonization of products, processes and policies
  • Ensuring minimal customer disruption
  • Enhancing geographical reach with an optimum product mix
  • Alignment and integration of unified digital platforms for customers

Subsequent to the successful Day-1 merger, EY created a destination operating model with an 18-month long transformation roadmap targeting:

  • A four-tiered credit operating model with specific focus on large corporates, mid and small corporates, micro, small and medium enterprises
  • A revamped organization structure to create specialized verticals including fintech and collections and recovery
  • A comprehensive assessment of potential cost and revenues synergy arising from the amalgamation and developing a 3-year roadmap for the bank for realizing the same
  • Seamless customer experience with inter-operability across branches and other digital and physical channels 
Operating model transformation
Case Study
The better the question. The better the answer. The better the world works.
Case Study

The bank saw successful business transformation with an efficient operating model

The bank is set to continue its momentum and grow rapidly to achieve its future targets.

As the merger stabilized and concluded, the bank saw substantial improvement in its overall business and operational performance, leading to a sustainable change in the bank’s financial metrics with a significant value delivered by EY.

20%

Improvement in cost-to-income ratio

13%

Cost synergies

3.5%

Revenue synergies

The engagement was led by the EY team and senior bank leaders including the MD and CXOs. The EY team included a cross-functional mix of partners, directors, senior managers and over 40+ consultants who came together to devise the merger and integration strategy for the bank.

EY became a trusted partner for the bank by enhancing its geographical footprint, strong future roadmap and optimized target operating model. These milestones were achieved by establishing strong relationships with the senior executive management and division stakeholders.

Transformation Realized

Transforming businesses through the power of people, technology and innovation.
Business operating model

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