Margins have normalised
Income growth is harder to find. Cost-income improvement now has to come from the operating model: process, platform, location and automation.
Banking
Capmark helps banks modernise platforms, reduce cost to run, strengthen controls and deliver change across retail, business, corporate and institutional banking.
Our experience and impact
Evidence of Banking delivered.
38 countries
One global operating model
Client onboarding and credit TOM, 110 roles recalibrated.
£50m
Run-rate cost taken out
Front-to-back operating model, control strengthened in parallel.
£1bn+
Risk-weighted asset reduction supported
Delivered on the front-to-back operating model programme for a global investment bank.
Banks are running several forms of change at once: modernising platforms that have been in place for decades, reducing cost in operations built around those platforms, and strengthening the controls the business depends on.
Capmark works across the whole bank: everyday banking, payments, lending, client lifecycle, transaction banking, financial crime, resilience, risk, treasury, data and institutional banking operations.
Advice and delivery come from the same senior team. The people who shape the answer stay to build it through migration, cutover and live operation.
What is changing
Three pressures on the bank.
Customers have moved channels
Digital channels now carry everyday banking, while branches and contact centres handle more complex work. Servicing models and platforms need to reflect that split.
Control expectations keep rising
Financial crime, operational resilience, third-party risk and regulatory reporting need controls that operate every day and produce evidence as work is done.
How we can help
Where we work across the bank.
Six capabilities cover the bank from customer channel to platform, control and live operation.
Client results
Proven in the work, not the pitch.
The client results most relevant to Banking — the problem, what we did, and the outcome.
Banking · Operating Model
One client-onboarding and credit operating model across 38 countries
A Global Corporate & Investment Bank · Client Onboarding & Credit Operating Model
We helped implement a single global client-onboarding and credit operating model across 38 countries, recalibrating 110 roles, rationalising technology and strengthening the process and control model across wholesale banking.
- 38
- Countries on one operating model
- 110
- Roles recalibrated
- £50m
- Benefits target governed
- Senior team
- Mobilised under Capmark leadership
Read the case study
Banking · Risk, Treasury & Finance
Risk, Treasury and Finance transformation for a global investment bank
Global Investment Bank · Risk, Treasury & Finance
We helped redesign the bank's Risk, Treasury and Finance functions end to end — restructuring legal entities for ring-fencing, consolidating change into a single portfolio, creating shared services, rationalising the platform estate and divesting the Portugal, Italy and Spain businesses — with 100+ roles moved to lower-cost locations.
- £1bn+
- Risk-weighted assets divested
- 3
- European Non-Core businesses divested
- £50m
- Run-rate cost savings delivered
- 100+
- Roles moved to lower-cost locations
Read the case study
Our Banking insights
Practical thinking from people who have delivered the work.
Get in touch
Speak with a Partner about Banking.
From a one-month gap analysis to a multi-year programme, we engage at the stage that fits.