Fair Value Assessment (FVA) services support financial institutions in demonstrating that their products and services deliver fair value, meet regulatory requirements, and ensure a reasonable price for customers across their product range.
At Al Banyan Tree, we help firms in investment, wealth management, pensions, and insurance design structured, evidence-based fair value frameworks aligned with Consumer Duty expectations and international regulatory standards.
At Al Banyan Tree, we help firms in investment, wealth management, pensions, and insurance design structured, evidence-based fair value frameworks aligned with Consumer Duty expectations and international regulatory standards.
Fair Value Assessment (FVA) for Price and Value Compliance
With Consumer Duty now fully in effect, firms across the financial services industry must demonstrate that they deliver fair value to customers, not only competitive pricing.
At Al Banyan Tree, we support providers of investment, wealth, pension, and protection products in meeting these obligations through structured, evidence-led Fair Value Assessment (FVA) frameworks.
Our team brings deep expertise in regulatory expectations under FCA COLL rules, FASB and IASB guidance, and global disclosure standards.
Whether assessing a single product or an entire portfolio, we help firms build clear, justifiable, and repeatable fair value assessment processes across open and closed books, fully aligned with internal governance and regulatory scrutiny.
At Al Banyan Tree, we support providers of investment, wealth, pension, and protection products in meeting these obligations through structured, evidence-led Fair Value Assessment (FVA) frameworks.
Our team brings deep expertise in regulatory expectations under FCA COLL rules, FASB and IASB guidance, and global disclosure standards.
Whether assessing a single product or an entire portfolio, we help firms build clear, justifiable, and repeatable fair value assessment processes across open and closed books, fully aligned with internal governance and regulatory scrutiny.
Structured Reviews That Focus on Real Customer Outcomes
At Al Banyan Tree, we treat Fair Value Assessment as an ongoing governance capability rather than a one-off compliance exercise.
Our methodology helps firms evaluate whether products deliver good customer outcomes based on pricing, performance, and service quality across the full lifecycle.
We assess products within the context of target market definition, distribution strategy, and product complexity.
This includes benchmarking against comparable market offerings, reviewing cost structures, and analysing service delivery, disclosures, and complaint patterns.
We combine quantitative indicators (fees, performance, lapse rates) with qualitative factors (clarity of information, suitability, and transparency of communication).
For closed-book products, where data may be limited or historical, we support firms in building defensible assessments that satisfy Consumer Duty expectations without creating unnecessary operational burden.
Our methodology helps firms evaluate whether products deliver good customer outcomes based on pricing, performance, and service quality across the full lifecycle.
We assess products within the context of target market definition, distribution strategy, and product complexity.
This includes benchmarking against comparable market offerings, reviewing cost structures, and analysing service delivery, disclosures, and complaint patterns.
We combine quantitative indicators (fees, performance, lapse rates) with qualitative factors (clarity of information, suitability, and transparency of communication).
For closed-book products, where data may be limited or historical, we support firms in building defensible assessments that satisfy Consumer Duty expectations without creating unnecessary operational burden.
Why Work with Al Banyan Tree
- End-to-end fair value frameworksBuilt from the ground up to reflect your business model, product complexity, and governance structure, ensuring a reasonable price assessment across product portfolios.
- Support across product categoriesIncluding investment funds, wealth products, insurance wrappers, pensions, and legacy books to deliver good customer outcomes across all segments.
- Consumer Duty-aligned methodologyFocused not only on pricing, but also on fairness of outcomes, clarity and transparency, and overall customer value delivery.
- Market and competitor analysisBenchmarking value against comparable market offerings to ensure a reasonable price and competitive positioning.
- Transparent process and audit-ready outputStructured documentation designed to withstand regulatory scrutiny, with clear traceability of assumptions, methodology, and conclusions.
- Integration with existing oversight systemsWe embed fair value assessment processes into product governance, risk frameworks, and board reporting cycles to manage implementation complexity effectively.
- Expertise in COLL compliance and international standardsEnsuring alignment with FCA requirements and global valuation frameworks while helping firms navigate evolving expectations in regulatory interpretation.
Outcome
Fair Value Assessment frameworks developed with Al Banyan Tree help firms improve customer service processes, ensure regulatory compliance, and maintain transparency in product governance decisions.
They provide clarity and transparency in how value is defined, measured, and evidenced across product portfolios, while supporting sustainable compliance under Consumer Duty.
They provide clarity and transparency in how value is defined, measured, and evidenced across product portfolios, while supporting sustainable compliance under Consumer Duty.
FAQ
We review the end-to-end value chain of a product: fees and charges, benefit delivery, product complexity, performance against expectations, complaints or redress trends, service delivery, and alignment with target market needs. It’s not just about what customers pay — it’s about what they receive and how clearly they understand it.
The FCA's Consumer Duty raised the bar: firms must now proactively demonstrate that products and services are delivering good outcomes. Fair value is a central part of that — especially as the regulator expects firms to challenge historic pricing, closed book portfolios, and areas where customers may be locked into poor value.
We build flexible review models tailored to the available data. Where granular data is limited, we supplement with service performance, cost evolution over time, and alternative analysis to ensure fair judgment without overstating precision.
That’s a great starting point. We’ll review and strengthen your current approach, identify gaps versus current FCA expectations, and help you build a roadmap to improve both the methodology and documentation of your reviews.
Yes. We often support product, risk, compliance, and governance teams in rolling out FVA frameworks — including training sessions, documentation templates, and board materials to ensure alignment across stakeholders.
Typically, annually — though some firms review more frequently based on risk level or product changes. We help determine a cadence that’s proportionate, efficient, and defensible to regulators.
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Whether you’re launching a new hedging strategy or improving your current accounting approach, Al Banyan Tree delivers the clarity, compliance, and technical depth required for high-quality hedge accounting.
Contact us to explore how we can support your treasury and finance goals.
Contact us to explore how we can support your treasury and finance goals.