Banks, NBFIs, insurers, and investment managers operate under some of the most demanding compliance regimes in Pakistan. UMCO supports regulated institutions with internal audit, regulatory reporting, and advisory built around SBP and SECP requirements.
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 structured audit methodology across internal audit, regulatory reporting, and readiness reviews.
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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