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, 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

Effective Communication Skills It’s Not What You Say, But H…

Trust in Leadership: Building and Maintaining Trust as a Le…


2026 Handbook Overhaul: Navigating Critical Updates! Does t…

Mastering Performance Management: Strategies for Continuous…

From Concept to Creation: Strategies for Cultivating Workpl…


2025 EEOC & Employers: Investigating Claims of Harassment …


How to Reduce Human Error in a GMP Manufacturing Floor

The Importance of the first 5 seconds when presenting

Trump’s Executive Orders on DEI and Disparate Impact, and t…

How Accountants Can Use Chat GPT Effectively

Project Management for administrative professionals

Pivot tables beginner to advanced + 20 advanced Pivot table…

The OBBBA Era & Beyond: Your 2025 Playbook for Compliance a…

Changing Behavior: Why Rewards and Punishments Often Aren't…


Launch Your Career: The Ultimate Guide for Emerging Profess…

ChatGPT Unlocked: A Beginner’s Guide to AI and ChatGPT

Managing Toxic & Other Employees Who Have Attitude Issues

Employee Handbooks: 2025 Critical Issues


ChatGPT and Project Management: Leveraging AI for Project M…

How to Write Contracts for Procurement Professionals



Retention Starts Here: Stop Losing Your Critical Talent and…



6-Hour Virtual Boot Camp on Microsoft Power BI