Capital Planning and Management
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Capital Planning and Management

Representative Engagements

Surprise capital needs are costly to address, and regulators expect banks to plan to maintain enough capital to continue operations even under stressful conditions. Indeed, in the wake of the recent financial crisis, U.S. regulators expect bank holding companies to submit formal capital plans on an annual basis.

 


Examiners expect that an organization's Internal Capital Adequacy Assessment Process (ICAAP) is an integral part of the strategic planning process and that business plans are supported by a robust capital planning and management framework. Our analyses and assessments encompass:

  • Capital contingency modeling: Banks should model the implications of the strategic plan and potential deviations from the plan
  • Capital contingency planning: Identification of potential future capital needs
  • Identification of contingencies to future capital needs¬†