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Capital is the lifeblood of any financial services organisation. Making sure that the level of capital you hold is appropriate for your organisation and reviewing the level of capital from time to time is vital to ensure success. But how do you get it right? By turning to those who have the knowledge and expertise to give you the best possible advice. Deloitte Actuaries & Consultants measure the risks faced by a business and the level of capital required to support the business, providing a framework for both comparing risks and measuring returns relative to these risks. | Regulatory Capital | Economic Capital | Target Surplus | | Defined by regulators | Anything that can absorb economic losses | Designed to provide a buffer to regulatory capital | | Uses(mainly) accounting definitions of capital | Could include intangibles, hidden reserves, pricing changes, etc | Uses same definitions of capital as regulatory | | Trade-off for regulators between simplicity and detailed matching with the business | Intended to support the underlying risks of the business | Can be similiar to economic capital(depending on risk definitions) |
* Elements of shareholder capital. A starting point for most financial services companies managing capital.
A trusted advisor
Deloitte Actuaries & Consultants have many years experience in providing capital management and modelling advice to banks, wealth management organisations, life insurers and business conglomerates on market leading developments such as target surplus and securitisation. We also have a wealth of experience in providing capital management advice in the general insurance and health insurance industries.
Our worldwide network ensures that we keep up to date with, and are able to exploit, developments around the world. Our team will work with you and your organisation to find the best business solutions.
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