The Risk Capital Strategy lays the foundation of ICAAP with the objective of achieving the appropriate balance between risk and return. The capital structure of banks is rigorously regulated by their respective regulatory bodies in view of the systemic risk that bank failures carry – losses to depositors and the consequent cost of government bail-outs.

Our Framework includes a comprehensive capital planning and budgeting approach by formulating a business plan, preparing a projected Balance Sheet & Income Statement, Risk-Based Capital Budgeting and comparing projected Risk-Based Capital requirements with projected capital.