Capital Planning Assistance
Develop bank-specific capital adequacy requirements, bank stress tests, and contingency plans with Young & Associates
Young & Associates provides capital planning assistance to financial institutions of all sizes. Our experienced consultants offer guidance in determining capital adequacy based on the bank-specific risks and in developing capital contingency plans to ensure adequate capital is maintained through any realistic stress event.
Periodic reviews of the minimum capital requirements and stress tests can provide valuable insights regarding not only the bank’s ability to navigate through economic downturns, but also to estimate the amount of capital that can be freed up to support additional growth and earnings in the future.
Many banks can justify lower capital requirements once they customize capital adequacy calculations to their specific risk profiles.
Young & Associates’ Capital Planning System
Streamline your planning and stress testing with our Capital Planning System, a comprehensive tool that allows you to assess capital adequacy in relation to your bank’s overall risk and develop a customized capital plan for maintaining appropriate capital levels in all economic environments.
The Capital Planning System has been field-tested by Young & Associates’ consultants, having successfully passed regulatory scrutiny during a variety of economic and industry conditions.
Features of the Capital Planning System
Using this tool allows you to:
- Generate your capital plan in as little as 1 day. Data from spreadsheets can be easily downloaded directly into a ready-to-use document that can be customized to fit the unique circumstances at your bank. Sample language and suggestions for changing the narrative are provided.
- Develop a base case scenario in which minimum capital adequacy standards are established.
- Identify and evaluate risk for your bank. Parameters in this analysis have been field-tested in our work with clients over the years and reflect adequacy standards established by regulatory authorities in consent orders.
- Stress-test capital by loan classification (as recommended by the regulatory agencies)
- Line up contingency plans considering the results of your loan portfolio and capital stress tests.
Purchase your Capital Planning System
You can buy a license for Young & Associates Capital Planning System through our online store. For further consulting and planning services, contact our team. We’re happy to customize a plan that fits your needs. Shop Capital Planning Systems
