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1 Maintain regulatory capital adequacy in compliance with NBC requirements
1.1 Monitor Capital Adequacy Ratio (CAR) and key capital metrics against NBC and requirements.
1.2 Identify early warning indicators and recommend actions to prevent capital breaches.
1.3 Coordinate with Finance, Treasury, and Risk teams to review capital calculations and regulatory submissions.
2 Deliver ICAAP and capital planning in line with regulatory and internal timelines
2.1 Lead the preparation, update, and submission of ICAAP documents and supporting schedules.
2.2 Develop capital plans aligned with business growth, risk appetite, and regulatory expectations.
2.3 Consolidate stakeholder inputs and ensure approvals are obtained within required timelines.
3 Optimize balance sheet structure to improve capital efficiency and profitability
3.1 Analyze balance sheet structure including funding mix, asset yield, and liability cost drivers.
3.2 Assess capital consumption by products/business units and recommend capital allocation improvements.
3.3 Evaluate impact of new products, credit policy changes, and strategy decisions on capital efficiency.
4 Ensure accurate capital forecasting and stress testing to support decision-making
4.1 Prepare capital forecasts under base case and stress scenarios, including key assumptions and drivers.
4.2 Perform stress testing to assess capital resilience under adverse conditions.
4.3 Recommend mitigation actions based on forecast outcomes and stress testing results.
5 Provide timely and accurate capital and ALCO reporting to management
5.1 Prepare ALCO papers, capital utilization analysis, and balance sheet metric dashboards.
5.2 Present capital and balance sheet insights to management and committees with clear recommendations.
5.3 Coordinate with Treasury, Finance, Risk, and Business Units on reporting requirements and decisions.