Risk-Based Capital Management

Risk-Based Capitalisation

We develop capital frameworks that connect capital requirements explicitly to the risks the business takes. Once management can see how individual risks contribute to the total, decisions on growth, investment, reinsurance, dividends and capital deployment rest on something firmer than a single aggregate number.

Solvency Monitoring

Solvency is better treated as a forward-looking discipline than a periodic regulatory calculation. We establish capital projections, movement analysis, sensitivities and scenario testing that surface emerging capital pressures and the drivers behind them, early enough for management to consider action.

Capital Policy

We support the development of capital policies that link regulatory requirements to risk appetite and commercial strategy. These can set capital targets, solvency buffers, capital triggers, stress tolerances and predefined management actions, giving boards and management one consistent framework for capital decisions.

ORSA: Own Risk and Solvency Assessment

We support the full ORSA lifecycle: risk identification and assessment, solvency projections, stress and scenario testing, management actions and board reporting.

The aim is a practical decision-making framework that connects strategy, risk appetite, capital and forward-looking business conditions, not a standalone regulatory exercise.