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Financial Institutions Group (FIG)

Teams

Financial Institutions Group (FIG):

Sector overview

FIG, one of the highest revenue-generating sectors in investment banking, focuses on a wide-spectrum of companies involved in the financial domain such as commercial banks, insurance companies, specialty finance firms, brokerage/exchange companies, asset management firms, and financial technology companies. Entities covered under FIG are usually at the center of global economic infrastructure, influencing all other aspects of business by directly offering financial services, investment & economic growth opportunities and financial risk management.

Our team in Hyderabad supports investment banking work across APAC, EMEA and Americas markets with in-depth research & analytics.

We assist in preparing pitching materials for mergers & acquisitions, capital raisings, divestitures, spin-offs, leveraged buy-outs and financial restructuring for the financial services industry

Scope of work includes:
  • Financial benchmarking & analysis
  • Trading & transaction comparables
  • Regression analysis
  • Company valuations (SOTP, DDM, DCF, Football field)
  • Merger models and Combination analysis
  • Teasers, Tear-sheets, Industry outlook reports, Memorandums and other discussion materials

Industry focus & sub-sectors

Banking

An efficient financial system is a prerequisite to a stable modern economy. Banks serve this vital function in society as they make up the core of economy by managing cash flow between people, businesses and governments, providing financial growth and economic aid through secure channels

  1. Commercial Banks : play a vital role in allocating money from savers to borrowers. With credit creation as the main purpose, commercial banks offer financial services including loans & advances, deposits, overdraft and locker facilities.
    • Retail banks cater to individuals while corporate banks deal with business / corporate customers
  2. Specialty Finance Institutions provide capital to individuals & businesses that are underserved by the traditional banks
  3. Non-banking Finance Companies (NBFCs) provide certain bank-like financial services but do not hold a banking license. Mortgage lenders, Equipment-leasing, Hire purchase, Micro-loan organizations, Peer-to-peer lenders fall within the category of NBFCs
  4. Debt Purchasing companies primarily purchase delinquent debt from financial institutions and later collect the overdue payments along with interest from borrowers
Insurance

The insurance sector includes companies that offer risk management in the form of insurance contracts. Insurance in simple terms offers financial support in times of crisis by safeguarding the client to prepare for unforeseen losses in the future

  1. Life Insurance companies issue policies that cover the death of an individual (insured) and pay the death benefit to the beneficiaries of the insured
  2. Non-life Insurance companies cover property & businesses and are also referred to as general or property & casualty insurers. Non-life insurance includes fire, motor, health, travel, liability, marine, liability insurance among others
  3. Managing General Agents (MGAs) are specialized type of insurance agents that perform various business functions including policy administration, underwriting, claims management and distribution on behalf of insurance companies
Asset & Wealth management

With large sums of money, comes great responsibility, thus arising the need for specialized fund management and growth strategies. Asset and wealth managers are specifically equipped to tackle corporate and high net-worth individuals’ holistic financial management including planning, investment strategies, legal requirements and all other aspects

  1. Asset managers are companies that manage the investments for individuals and corporates with a primary goal of maximizing the returns while managing the risk
  2. Wealth managers focus on the overall financial situation of an individual or a family and take steps to maximize the wealth while protecting it. Wealth management services include tax planning, legacy, estate, education and retirement planning
  3. Private banks provide customized financial management services to high-net-worth individuals (HNIs)
Financial technology (FinTech)

Fast-expanding financial sector with traits of traditional financial company but leverages digital technology framework at its core

  1. Markets & Exchanges refer to global stock exchanges, over-the-counter (OTC) platforms and other digital trading interfaces where equity and other market-linked instruments (including blockchain & crypto assets) can be traded
  2. Payment Processors pertain to intermediate remittance and payment facilitator companies that earn revenue by either providing secure payment gateways or offer payment infrastructure (POS machines, virtual payment platform, 3P integrations and others)
  3. Information Analytics includes companies that act as data providers across financial industry and operate by aggregating, categorizing & streamlining the flow of real-time market-related information and historical/statistical financial performance data of other companies
  4. Broker & Dealers include credit rating agencies, broker houses which provide investment research on financial performance, investor insight and future outlook for specific company/industry