Capital ratios are essential metrics for financial institution management and for regulators. The capital ratios measure the liquidity issue of the institutions. The webinar discusses the scarcity of capital for banks and bank holding companies. It explains how financial institutions are highly leveraged and the owners have little “skin in the game.” A review of call report ratios will verify these notions
WHY SHOULD YOU ATTEND?
Senior management
Directors on the Board
Financial expert on the Board
Call Report Reviewers
Call Report Preparers
Newcomers to banking
Seasoned bankers
AREA COVERED
- Explanation of scarce capital situation in US banking
- Brief explanation of Basel III
- Review of actual and required Basel III ratios
- Computational process for computing the four key ratios
- Walkthrough of Schedule RC-R with focus on numerators and denominator leading to the four key ratios
- Explanation of important items that are part of the numerators and denominators
- The risk-weighting approach for assets and off-balance sheet items used in the denominator
LEARNING OBJECTIVES
- How scarce is capital at the nations largest banks?
- How many banks are well capitalized?
- What are the four key Basel III ratios?
- What are the components leading to:
- CET1 Capital Ratio
- Tier 1 Capital Ratio
- Total Capital Ratio
- Tier 1 Leverage Ratio
- What are the five descriptions for capitalization?
- What Call Report Schedule RC-R lines are used for the numerators and denominators for the four key ratios?
- What constitutes a walkthrough Schedule RC-R that leads to the four ratios?
WHO WILL BENEFIT?
- Controllers personnel
- Call Report preparers – new and experienced
- Call Report reviewers
- Regulators
- Internal auditors
- External auditors
- Risk managers
- Corporate counsel
- Senior management
- Directors
Senior management
Directors on the Board
Financial expert on the Board
Call Report Reviewers
Call Report Preparers
Newcomers to banking
Seasoned bankers
- Explanation of scarce capital situation in US banking
- Brief explanation of Basel III
- Review of actual and required Basel III ratios
- Computational process for computing the four key ratios
- Walkthrough of Schedule RC-R with focus on numerators and denominator leading to the four key ratios
- Explanation of important items that are part of the numerators and denominators
- The risk-weighting approach for assets and off-balance sheet items used in the denominator
- How scarce is capital at the nations largest banks?
- How many banks are well capitalized?
- What are the four key Basel III ratios?
- What are the components leading to:
- CET1 Capital Ratio
- Tier 1 Capital Ratio
- Total Capital Ratio
- Tier 1 Leverage Ratio
- What are the five descriptions for capitalization?
- What Call Report Schedule RC-R lines are used for the numerators and denominators for the four key ratios?
- What constitutes a walkthrough Schedule RC-R that leads to the four ratios?
- Controllers personnel
- Call Report preparers – new and experienced
- Call Report reviewers
- Regulators
- Internal auditors
- External auditors
- Risk managers
- Corporate counsel
- Senior management
- Directors
Speaker Profile
Paul J. Sanchez
Paul J. Sanchez, CPA, CBA, CFSA, CGMA conducts a small CPA practice in Port Washington, New York. He is also the owner of Professional Service Associates (PSA), a consulting and professional training and development business servicing corporate clients (auditors, controllers, etc.), CPA firms, professional associations and others. He was an assistant professor at Long Island University - C.W. Post Campus as well as an adjunct lecturer at City University of New York. Prior to starting PSA, he was the Vice President-Professional Development for the Audit Division of a regional bank and Director of Professional Practices and Vice President of a …
Upcoming Webinars
Maximizing Productivity with ChatGPT: AI Solutions for HR, …
Excel - Pivot Tables - The Key To Modern Data Analysis and …
New EEOC Report: Workplace Harassment Prevention Not Workin…
Human Error Reduction Techniques for Floor Supervisors
21 CFR Part 11 - Compliance for Electronic Records and Sign…
Form W-9 Compliance to Avoid Penalties: TIN Verification, B…
Transforming Change and Conflict into Diverse-Inclusive-Col…
Re-imagine Finance & Accounting Made Simple. Three Webinars…
Navigating 2025 Employment Laws: What Every Employer Needs …
Managing Difficult Employee Conversations
ChatGPT and Project Management: Leveraging AI for Project M…
Future Of Forecasting And Budgeting With Rolling Forecast
Handbook Overhaul 2026: Compliance, OBBB Act & Beyond
Internal Controls in Accounts Payable
The FMLA - An Employer's Guide to Compliance and Employee A…
Excel Power Skills: Master Functions, Formulas, and Macros …
Develop People Intelligence: Is Your Communication Style as…
The Impact of Artificial Intelligence on Your Workforce
AI in Everyday Work – help with Microsoft products
How to Document Employee Discussions and Why it is Important
Construction Lending And Real Credit Administration: Evalua…
The Anti-Kickback Statute: Enforcement and Recent Updates
Navigating FDA Inspections: From SOP to 483
2025 EEOC & Employers: Investigating Claims of Harassment …
2-Hour Virtual Seminar on DeepSeek R1 for Business and Mark…
Risk Analysis in the Medical Device Design Process
Introduction to Microsoft Power BI Dashboards
How To Get Control of Your Day, Life & Career - Time Manage…
AI Across the Business: Practical Use Cases for Founders an…
6-Hour Virtual Seminar on Learning the Highlights of Excel …
Female to Female Hostility @Workplace: All you Need to Know
Writing Effective 483 and Warning Letter Responses
FDA Recommendations for Artificial Intelligence/Machine Lea…
Language is Code - Intro to AI - Generative AI - ChatGPT an…
Understanding EBITDA – Definition, Formula & Calculation