Webinar: Capital Planning in Uncertain Times
August 28, 2024 3:00 pm - 4:30 pm
Examiners are expecting more detailed capital planning and risk analysis.
This program will teach you the basics of capital planning in today’s environment, including scenario building, stress-testing, and integrating other risk areas to build a more comprehensive capital plan for your organization.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Integrate your asset quality, liquidity, and interest rate risk analysis in a more complete capital plan
- Develop realistic stress scenarios
- Understand stress testing of your capital plan
- Determine how fast your contingency plans for liquidity and capital can be executed
- Use your capital plan to determine your organization’s level of capital adequacy
- Create an outline of the necessary content of your capital plan
- Understand regulatory expectations for the capital planning process
WEBINAR DETAILS
Prior to the Silicon Valley Bank failure, capital planning had been a relatively simple process. You would state that you were planning on being well-capitalized, set out your capital ratio minimums, do a basic stress test on your loan portfolio, and list the actions you would take in the event your capital ratios fell below your plan minimums. As long as it was reasonable, it would tend to pass regulatory muster.
Today is a different story. Capital planning has become significantly more complex with the rapid rise in interest rates causing a deterioration in investment value and an outflow of deposits, along with the unprecedented speed of the SVB deposit run and failure. You not only need to stress test your loan portfolio, but also factor in deposit outflows, forecast cash flow, deeply analyze your liquidity, and then stress test each of those to determine if you are at risk of falling below well-capitalized.
In addition, you must now consider the speed at which your plans can be executed. Many organizations have detailed liquidity and interest rate risk reports and plans but fail to integrate those plans into the capital planning process. Risks are typically interrelated and should be analyzed holistically and not as individual silos of risk. This program will teach you to be more proactive and detailed in your capital planning process.
WHO SHOULD ATTEND?
This informative session is designed for board members, CEOs, COOs, CFOs, CROs, and anyone involved in capital planning and risk management.
TAKE-AWAY TOOLKIT
- Stress test checklist
- Content outline for your capital plan
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
Speaker: Robert L. Viering, RiverPointUSA, LLC
Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.
Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.