Financial Institutions

Enterprise Risk Management

Because of the overregulated environment with respect to financial institutions activities lending development may suffer. We strongly believe it is easier to offer loans and other financial services for financing businesses that are willing to establish satisfactory Enterprise Risk Management and Internal Control standards, governance and systems.

Rivale is your partner in assuring that enterprises benefiting of loans are able to manage, based on satisfactory risk management policies and plans, during the whole financing time, till the final maturity of loans, the followings:

Evaluation of the whole universe of risks, such as: the Supply Chain risks, Credit risks against their customers, Operational risks, Hazards, Man-made risks, Market risks, Goodwill and Reputation risks, Risks associated with Data and Knowledge, Risks associated with the Legal system, Liability risk exposure (such as products liability, premise liability, employment practice liability, environmental liability, etc.), Technology obsolescence risk, Brand risk, Organizational risks like: lack of foresight in innovation, shutting down individual initiatives and smart thinking, not responding to consumers’ needs, labor negotiation, managing self-interest and greed, Regulatory change risk, Risks related to human nature (theft, burglary, embezzlement, fraud);
Project Finance, Project / Investment Cost & Risk Management;
Company’s Risk Profile;
Avoidance of business interruption by establishing satisfactory Business Continuity Management processes;
Development of the Risk Perception Culture and Risk Communication within their organisations;
Their staff’s attitude towards Growth, Risk and Return;
Training & assessment of their staff having risk management responsibilities.

The lenders may also count on us for managing independent risk registers and for performing independent risk monitoring actions in respect of enterprises which are sensitive from debt value, maturity and transactional behaviour points of view.

Additionally, we ensure the Assessment and Improvement of Risk Identification, Analysis and Evaluation Processes, Maturity Assessment of Enterprise Risk Management System, Independent Oversight for effectiveness assessment of risk control tactics, Integrated Risk Governance and Concepts & Enterprise Risk Management System Development, periodically, up until the final debt resolution.

Rivale is able to enhance the lenders’ trust regarding the debtors’ Governance establishment related to:

Risk Based Performance Management
Risk Adjusted Performance Control
Risk Based Decision Making Process
Internal Control System Assessment and Development

Investment

Enterprise Valuation

It is one of the core competences of Rivale dedicated for various funding, investment, realization purposes.

Business Assets Valuation & Realization for Funding, Collateral, Insurance, Liquidation, M&A, IPO or Debt to Equity Swap Purposes

It is one of the core competences of Rivale in case of enterprise split dedicated for various funding, investment, realization purposes.

Risk Adjusted Valuation of Enterprises, Business Lines, Equity, Intangibles, Goodwill

It is one of the core competences of Rivale dedicated for various funding, investment, realization purposes. The enterprises having risk management and internal control standards in place will certainly maximize their values.

Risk & Value Based Due Diligence

It is mandatory before making major investments. What differentiate us of other consultants is the risk assessment expertise.

Debt Restructuring and Insolvency

Business Insolvency Risk Assessment and Management

It refers to your Clients / Debtors / Suppliers that might face difficulties in observing their obligations. In case insolvency is suddenly declared, most probably there are not enough resources remaining anymore for refunding all of creditors. That’s why early warning signals must not be ignored. In case you are not proactive in this respect, most probably will lose more money, while if you would detect the problem before other creditors would do it, you would have a good chance to recover the debt shortly as your pressure on the debtor might convince him to prioritize the payments in your favor. Rivale is able to help you by detecting insolvency early signals and by assisting you in recovering the debt before insolvency occurs.

Risk Driven Turnaround / Restructuring

Restructuring, Change Management, Transformation, Repositioning only focused on Market / Product and Technology Innovation hardly succeed to differentiate amongst competitors nowadays, despite huge amount of investment required.

That’s why Risk-Driven Innovation is certainly needed in order to really steal a march on your rivals.

Companies in the top 20% of risk maturity generated three times the level of EBITDA as those in the bottom 20%.

82% of institutional investors are willing to pay a premium for shares issued by effective risk management based companies.

Out of Court Debt Restructuring (instead of Liquidation)

As a consequence of the early detection of insolvency warning signals, Rivale is able to prepare debt restructuring plans for avoiding insolvency without coping with insolvency law constraints, by gathering the debtors and most important creditors and negotiating the participation of each one under parity conditions.

Reorganisation Planning

Both debtors and creditors have the opportunity to draw up judicial re-organization plans. The difficulty consists in applying the economic reasons under restrictive conditions of the legal provisions. Rivale has the knowledge and experience necessary to assist you with the preparation of the reorganization plans.

Representation during insolvency procedures for maximizing debt's recoverability / protecting creditors’ wealth

For defending effectively your rights you need professional assistance. The lawyers’ houses are able to cover legal issues but not economic and financial ones that certainly happen during insolvency phases. Rivale is ready to prevent the waste of debtors’ resources during insolvency process by supervising all of operations performed by both debtors’ administrators and insolvency practitioners.

Banking Assets Recovery

Banks must focus on their core business. That’s why outsourcing the bad assets realization is going to avoid the business opportunity costs.

Distressed Assets Realization

All of enterprises and authorities must focus on their core business. That’s why outsourcing the bad assets realization is going to avoid the business opportunity costs.