The CCAR process gives supervisors an opportunity to evaluate plans for capital distributions against the backdrop of the firm’s overall capital position under both baseline and hypothesized stressed conditions. It also provides a regular, structured, and comparative way to assess the capacity of these firms to manage their capital positions and, by implication, more generally to manage their risks.
Regulatory guidelines have also since been issued outlining the capital and provisioning requirements for exposure to entities with significant unhedged forex exposures. v)  Human resource issues  I do not need to emphasize the HR issues in banks.