Bank & Credit Union Insights

Capital planning doesn’t have to be complicated to be effective. The goal is a repeatable process that looks beyond the annual budget, considers what could change, and outlines what to do if capital were under pressure.

It is more important now than ever before to stress test before the next crisis hits and options for remediation become even more limited.

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.