The Capital Conundrum – How COVID 19 Changed the Way We Look at Capital
On-Demand Webinar (January 25, 2022)
Darling Consulting Group
John is a Managing Director at Darling Consulting Group, working directly with financial institution executives to improve the effectiveness of their asset liability management (ALM) process. In this capacity, he provides insight and education in managing interest rate risk, liquidity risk, credit risk and capital. John also advises on regulatory compliance, stress testing, and contingency planning.
John began his career with DCG in 2006 as a financial analyst and currently manages DCG’s Risk Analyzer Plus product and Loan Credit Loss Model solution. John is a graduate of the University of Massachusetts with a degree in finance and marketing.
The onset of the pandemic and economic shutdown brought about fear to the industry. Credit losses appeared imminent for many financial institutions. However, it became clear through 2020 that extraordinary government intervention would not only prevent the economy from deteriorating further but also result in a faster recovery than many had anticipated.
Now the industry is presented with a new set of capital challenges. Fiscal and monetary policies have contributed to tremendous balance sheet growth, earnings pressures, lower capital ratios, increased credit uncertainty, and concentration risk.
In this 60-minute webinar, John will discuss how capital planning has evolved into one of the most critical risk management practices to help financial institutions understand how various economic environments, and expectations for growth, earnings, and capital distribution, can impact capital buffers and strategic planning.
This webinar will address the following capital and credit concerns in the industry today:
The impact of growth on capital ratios
How anticipated earnings pressures may impact capital
Why credit concerns remain elevated today
How to assess loan concentration risk
Contingency planning for excess capital or capital deficient organizations