Capital Management Services

SRA brings next-generation Technology, Subject Matter Expertise, and Proprietary Methodologies to Navigate Risk and Drive Growth.

Capital Management Services Overview

Your Institution’s Journey to Capital Safety and Soundness

Meet regulatory requirements, maximize your institution’s capital efficiency and manage risk with SRA’s best-in-class Capital Management Program and Model IQ next-generation technology.

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SRA’s Capital Management Program

  • SRA’s Capital Management Program is a mission-critical solution for banks and credit unions to manage risk while effectively optimizing their capital. It encompasses Capital Planning, Stress Testing, Risk Management, and Regulatory Compliance.
  • The Program features SRA’s state-of-the-art, certified and validates Capital Planning and Stress Testing Model, and leverages SRA’s dcades of expertise serving 250+ clients and 400+ transactions.
  • The Capital Planning and Stress Test platform is powered by Model IQ’s cutting-edge Financial Modeling and Capital Scenario Analysis technology.

A Three-Step Journey

1. Capital Stress Test

  • With SRA’s certified and independently validated Capital Stress Test solution, financial institutions can foster confidence with regulators by demonstrating they can effectively navigate periods of economic and financial challenges.
  • Through the Model IQ interactive online platform, SRA empowers banks and credit unions to develop, sensitize, document, and share Base Case (Strategic Plan), Sever Adverse and Reverse Stress Scenarios for Regulatory Compliance and Strategic Decision-Making.
  • SRA guides Banks and Credit Unions in developing and monetizing Risk Capital Buffers for multiple risk categories: Credit, Liquidity, IRR, Operational, Compliance, Strategic, and Reputation Risk.

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2. Capital Plan & Policy

  • SRA’s Capital Plan triangulates Strategic Planning, Risk Appetite, and the Institution’s Risk Profile with Capital Management.
  • The Model IQ platform also elevates the bank’s risk management and capital planning practices through interactive real-time simulations, and personalized capital scenarios for strategic decision-making.
  • With an enhanced Capital Plan and Policies, institutions ensure regulatory compliant content.
  • Banks and Credit Unions achieve adequate levels of capital and establish robust contingency plans.
  • Institutions adopt best Capital Reporting practices, including capital reporting to the Asset-Liability Committee and the Board Risk Committee.

3. Capital Risk Framework

  • SRA identifies and prioritizes areas of improvement to ensure regulatory compliance along with best practices for ongoing risk monitoring and evaluation.
  • Banks and Credit Unions align their practices to the Board’s Risk Appetite with SRA’s Diagnostic and Prescriptive Risk Framework.
  • SRA’s industry-leading Capital Risk Framework enables financial institutions to identify their level of maturity (and gaps) based on their size and complexity.