Product Description

The CB DIY Capital Plan™ is a comprehensive package that includes all the necessary components for a bank’s management team and board to develop a detailed and executable capital plan.

The purpose of this tool is to provide a disciplined approach to assessing capital adequacy, conducting an effective risk assessment, defining “triggering events”, detailing a thoughtful contingency plan, and developing capitals goal, all integrated with your strategic plan and risk appetite.

Note: for OCC banks, this plan is designed to comply with conditions described in OCC Bulletin 2012-16: Capital Planning Policy

The Plan Content

  • Executive Summary: Clearly summarizes your risk assessment process, risk profile, capital strategies, capital contingencies, and strategic plan integration.
  • Risk Profile and Assessment: Details your bank’s risk profile when considering, Quantity, Quality, Aggregate and Direction of Risk in the areas of Credit Risk, Interest Rate Risk, Liquidity Risk, Price Risk, Operational Risk, Capital Adequacy, and Strategic (Earnings) Risk.  Also includes an analysis of the capital impact of Basel III
  • Capital Goals: customized to reflect your strategic requirements, i.e. growth objectives, dividends, stock buyback, new capital, acquisitions, etc.
  • Contingency PlanDefines the events that may trigger your bank’s contingency plan (i.e. interest rate impact, asset quality decline, earnings decline, etc.).  It also outlines the actions the bank would take should a triggering event occur.
  • Policy Document: Capital Planning Process Policy consistent with OCC Bulletin 2012-16 requirements.

Key Benefits (Why Banks Use This Tool?)

  • The Plan: A comprehensive document that is customizable to clearly define your capital goals, risk management approach and capital contingencies.
  • Regulatory Compliance: Complies with the elevated conditions set forth in capital planning and enterprise risk management standards.
  • Proven Planning Process: Robust process for assessing capital needs including strong bank-wide risk assessment and management practices to support capital adequacy and appropriate governance and controls.
  • Research and Analysis: Utilizing fact-based data and research to support your qualitative and quantitative assessment of risk and strategic alternatives.
  • Focus: A greater understanding of how your actions are connected to creating value.
  • Professional Coach: a virtual coach to support you through your planning and analysis process.

Value Added Related Products and Services

For more information or to order your CB DIY Capital Plan, please contact us directly at (949)542-8550, or fill out our contact form here.


A Sample of What Our Clients Have to Say...

“I look forward to receiving the CB Journal every month.  The industry insights, opinions and industry analyisis is great.  We put the CB Journal in our Board book every quarter.” CEO New York, NY

“The CB Strategy Tool was indispensible in supporting our strategic planning process.  The detailed research, the power point for our planning session and the strategic and action plan template was directly in-line with what our Board and the Regulators were looking for.” CEO Oakland, CA