BAS Presentations - March 2023

How to Assess Capital Adequacy

What Capital obligations does the bank have? What do Capital plans look like? What Capital stressors does the bank have? If the bank needs Capital, does it have access?

• Dividends

• Includes augmentation, dividend, and contingency

• Does the bank perform Capital stress testing?

• From who? How much? How long to get it?

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Impact of COVID-19

Paycheck Protection Program (PPP) loans are excluded from risk ‐ based capital but included in Tier 1 Leverage Ratio (unless the PPP loans are pledged to the FRB for a funding line).

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