{"id":54920,"date":"2026-04-03T11:48:48","date_gmt":"2026-04-03T11:48:48","guid":{"rendered":"https:\/\/certifeka-edu.com\/programs\/strategic-marketing-module-2\/lessons\/lesson-7-example-of-a-contingency-plan-3-2\/"},"modified":"2026-04-03T11:48:48","modified_gmt":"2026-04-03T11:48:48","slug":"lesson-7-example-of-a-contingency-plan-3-2","status":"publish","type":"lesson","link":"https:\/\/certifeka-edu.com\/ar\/programs\/integrated-marketing-strategies-module-ucam-university\/lessons\/lesson-7-example-of-a-contingency-plan-3-2\/","title":{"rendered":"Lesson 7: Example of a Contingency Plan"},"content":{"rendered":"

\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Lesson 7: Contingency Planning
\n<\/h2>\n

Example of a Contingency Plan
\n<\/h3>\n

As a result of the financial crisis of 2008 and the Great Recession, regulations were implemented requiring bank stress tests to be performed to test how a bank might handle various negative contingencies.<\/h5>\n
The stress tests project how much a bank would lose—if a negative economic event occurred—to determine if the bank has enough capital or funds set aside to survive the event.<\/h5>\n
Banks are required to have a specific percentage of capital reserves on hand, depending on the total of risk-weighted assets (RWAs).<\/h5>\n
These assets, which are typically loans, have various risk weightings applied to them.<\/h5>\n
For example, a bank’s mortgage portfolio might receive a 50% weighting, meaning the bank—in a negative scenario—should have enough capital that’s valued at 50% of the outstanding mortgage loans.<\/h5>\n

The Capital
\n<\/h3>\n

called Tier-1 capital, can include equity shares or shareholders’ equity and retained earnings, which is accumulated savings of prior years’ profits.<\/h5>\n
Although there are various components that go into the tier-capital ratio requirement, the ratio has to be at least 6% of the total of risk-weighted assets.<\/h5>\n
Let’s say as an example, Bank XYZ has $3 million in retained earnings and $4 million in shareholders’ equity, meaning the total tier-1 capital is $7 million.<\/h5>\n
Bank XYZ has risk-weighted assets of $70 million. As a result, the bank’s tier-1 capital ratio is 10% ($7 million\/$70 million).<\/h5>\n
Since the capital requirement is 6%, the bank is considered well-capitalized when compared to the minimum requirement.<\/h5>\n
Of course, we won’t know if the banking sector’s contingency plan will be adequate until another recession occurs, which is a limitation of these plans since it’s difficult to plan for every contingency.<\/h5>","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-54920","lesson","type-lesson","status-publish","hentry"],"yoast_head":"\nLesson 7: Example of a Contingency Plan - Certifeka-edu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/certifeka-edu.com\/ar\/programs\/integrated-marketing-strategies-module-ucam-university\/lessons\/lesson-7-example-of-a-contingency-plan-3-2\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lesson 7: Example of a Contingency Plan - Certifeka-edu\" \/>\n<meta property=\"og:description\" content=\"Lesson 7: Contingency Planning Example of a Contingency Plan As a result of the financial crisis of 2008 and the Great Recession, regulations were implemented requiring bank stress tests to be performed to test how a bank might handle various negative contingencies. 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