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	<title><![CDATA[risk-based capital Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to risk-based capital]]></description>
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		<title><![CDATA[Lincoln National Corporation Q3 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-358585.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator Instructions We&#8217;ll go first to Andrew Kligerman with UBS. Andrew Kligerman &#8211; UBS Good morning. A lot of good color around RBC and cash at the hold co. Could you put that into context of what you deem to be excess capital at this point...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Thu, 29 Oct 2009 11:59:09 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/lincoln+national+corp..html"><![CDATA[Lincoln National Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">LNC</category>
		<category domain="tickers">LNC</category>
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		<title><![CDATA[Ameriprise Financial, Inc. Q3 2008 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-245037.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator instructions Our first question comes from Suneet Kamath. Please go ahead. Suneet Kamath &#8211; Sanford C. Bernstein Thank you very much. Just a couple questions on capital. Walter, you had said that your risk-based capital ratio I guess at the end of '08 will be...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Wed, 29 Oct 2008 19:09:13 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/acquisition.html"><![CDATA[Acquisition]]></category>
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		<category domain="http://resources.bnet.com/topic/ameriprise+financial+inc..html"><![CDATA[Ameriprise Financial Inc.]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">AMP</category>
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		<title><![CDATA[Horizon Financial Corporation F2Q09 (Qtr End 09/30/08) Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-244209.html]]></link>
		<description><![CDATA[ Question-and-Answer SessionOperator Our first question comes from the line of Kristin Hotti with Howe Barnes Hoefer & Arnett. Please go ahead. Kristin Hotti &#8211; Howe Barnes Hoefer & Arnett  Hi, yes, good afternoon. Dennis Joines  Hi, Kristin. Kristin Hotti &#8211; Howe Barnes Hoefer & Arnett  I...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Mon, 27 Oct 2008 20:30:24 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/horizon+financial+corp..html"><![CDATA[Horizon Financial Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">HRZB</category>
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		<title><![CDATA[A.M. Best Special Report: Most Profitable Plans Linked With Strong Risk-Based Capital]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2008_April_7/ai_n25127633]]></link>
		<description><![CDATA[OLDWICK, N.J. -- A.M. Best's benchmarking study of 102 provider-owned health plans found a strong correlation between the most profitable companies and those with strong risk-based capital RBC scores. Two-thirds of those in the top quartile for profitability also were in the top RBC quartile. A.M. Best's perspective on the...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 07 Apr 2008 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/a.m.+best+co..html"><![CDATA[A.M. Best Co.]]></category>
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		<title><![CDATA[PMA Capital Q3 2007 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-13071_23-232138.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator Instructions. And your first question comes from the line of Randy Binner from Friedman, Billings, Ramsey Randy Binner - Friedman, Billings, Ramsey Hi, good morning everyone. I just, I want to try and understand exactly what the statutory capital situation is at the Run-Off after...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Fri, 02 Nov 2007 10:38:32 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
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		<category domain="http://resources.bnet.com/topic/friedman+billings+ramsey.html"><![CDATA[Friedman Billings Ramsey]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FBR</category>
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		<title><![CDATA[Keane Business Risk Management Solutions Launches Fully Integrated Risk-Based Capital Allocation and Audit Oversight Modules]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2007_March_2/ai_n27287918]]></link>
		<description><![CDATA[SCORE version 3.0 first to address UK Financial Services Authority's ICAS requirements plus a full audit suite to integrate risk, compliance and internal audit]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Fri, 02 Mar 2007 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/audit.html"><![CDATA[audit]]></category>
		<category domain="http://resources.bnet.com/topic/keane+inc..html"><![CDATA[Keane Inc.]]></category>
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		<title><![CDATA[Agencies issue NPR relating to risk-based capital]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5592/is_200702/ai_n23567578]]></link>
		<description><![CDATA[Federal bank and thrift regulatory agencies have jointly issued a notice of proposed rulemaking and are seeking comment on possible modifications to the risk-based capital standards for all domestic banks, bank holding companies and savings associations tFederal bank and thrift regulatory agencies have jointly issued a notice of proposed rulemaking...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Thu, 01 Feb 2007 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/agency.html"><![CDATA[agency]]></category>
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		<title><![CDATA[Fed's draft proposal revises risk-based capital framework]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5592/is_200701/ai_n23567543]]></link>
		<description><![CDATA[A draft interagency notice of proposed ndemaking released by the Federal Reserve Board would revise the existing risk-based capital framework by giving the vast majority of banks, bank holding companies and savings associations the option of either continA draft interagency notice of proposed ndemaking released by the Federal Reserve Board...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 01 Jan 2007 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[bank]]></category>
		<category domain="http://resources.bnet.com/topic/federal+reserve+board.html"><![CDATA[Federal Reserve Board]]></category>
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	</item>
	<item>
		<title><![CDATA[Hyland Reports 'Positive' Dialogue With Treasury On Risk-Based Capital]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_km3607/is_200609/ai_n16978581]]></link>
		<description><![CDATA[Creating a risk-based capital system is a "necessity," NCUA board member Gigi Hyland said recently."The question is timing. The Treasury Department must sign off, but conversations between NCUA and Treasury have been positive. It will not happen this year Creating a risk-based capital system is a "necessity," NCUA board member...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 25 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[risk-based capital]]></category>
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	</item>
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		<title><![CDATA[Reg Relief Unlikely To Include Risk-Based Plan]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_km3607/is_200605/ai_n16977599]]></link>
		<description><![CDATA[The Senate Banking Committee is expected to vote on a regulatory relief bill this week that won't include the risk-based capital proposal being pushed by NCUA. The Senate bill is apparently similar to one approved overwhelmingly by the House last month an The Senate Banking Committee is expected to vote...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 01 May 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[risk-based capital]]></category>
		<category domain="http://resources.bnet.com/topic/u.s.+senate.html"><![CDATA[U.S. Senate]]></category>
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		<title><![CDATA[Fed releases proposal for Basel II rules]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5592/is_200605/ai_n23567195]]></link>
		<description><![CDATA[An interagency notice of proposed rulemaking that would implement Basel II risk-based capital requirements in the United States for large, internationally active banking organizations has been made public by the Federal Reserve Board.An interagency notice of proposed rulemaking that would implement Basel II risk-based capital requirements in the United States...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 01 May 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/basel+ii.html"><![CDATA[Basel II]]></category>
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	</item>
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		<title><![CDATA[Fed issues final rule on capital treatment for some cash collateral]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5592/is_200604/ai_n23567132]]></link>
		<description><![CDATA[A final rule for state member banks and bank holding companies that revises the risk-based capital treatment for cash collateral posted in connection with securities borrowing transactions has been approved by the Federal Reserve Board. The Fed said this A final rule for state member banks and bank holding companies...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Sat, 01 Apr 2006 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/federal+reserve+board.html"><![CDATA[Federal Reserve Board]]></category>
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	</item>
	<item>
		<title><![CDATA[Insurers Turn to Risk-Based Capital Management to Add Value]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=174453]]></link>
		<description><![CDATA[All financial institutions are faced with a basic business question: What is the best use of available funds? Historically, within the insurance industry, this issue of capital allocation has been addressed using some very basic projections of future balance sheets and profit-and-loss statements, with capital projections based on regulatory capital...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Dec 2005 00:00:00 -0800</pubDate>
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	</item>
	<item>
		<title><![CDATA[Congress Asked To Enact Risk-Based Capital Plan]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_km3607/is_200510/ai_n15665181]]></link>
		<description><![CDATA[NCUA General Counsel Robert Fenner has asked Congress to include the agency's proposal to enact a risk-based capital system for credit unions, which was carefully excluded from a regulatory relief bill introduced last month.  NCUA General Counsel Robert Fenner has asked Congress to include the agency's proposal to enact...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 03 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[risk-based capital]]></category>
		<category domain="http://resources.bnet.com/topic/u.s.+congress.html"><![CDATA[U.S. Congress]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[Pillar 1 Vs. Pillar 2 Under Risk Management]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=153074]]></link>
		<description><![CDATA[Under the New Basel Accord bank capital adequacy rules (Pillar 1) are substantially revised but the introduction of two new "Pillars" is, perhaps, of even greater significance. This paper focuses on Pillar 2 which expands the range of instruments available to the regulator when intervening with banks that are capital...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Sep 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[Bank]]></category>
		<category domain="http://resources.bnet.com/topic/national+bureau+of+economic+research.html"><![CDATA[National Bureau Of Economic Research]]></category>
		<category domain="http://resources.bnet.com/topic/risk+management.html"><![CDATA[Risk Management]]></category>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[Risk-based Capital]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
	</item>
	<item>
		<title><![CDATA[Simple Practical Estimation of Sub-Portfolio Catastrophe Loss Exceedance Curves With Limited Information]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=159597]]></link>
		<description><![CDATA[A very simple method is shown for the estimation of the catastrophe loss exceedance curve of a sub-portfolio, when the information available is limited to a total portfolio catastrophe loss exceedance curve, and just enough information about the sub-portfolio to make reasonable selection for two parameters; relative frequency and relative...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 22 Apr 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/casualty+actuarial+society.html"><![CDATA[Casualty Actuarial Society]]></category>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[Risk-based Capital]]></category>
		<category domain="http://resources.bnet.com/topic/catastrophe+loss.html"><![CDATA[Catastrophe Loss]]></category>
	</item>
	<item>
		<title><![CDATA[A Financial Executive's Guide to Proposed Changes in Statutory Reserve and Risk-Based Capital Requirements for Variable Annuities]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=151564]]></link>
		<description><![CDATA[Variable annuities have become one of the top success stories for the life insurance industry in the last decade. However, the evolution of guarantees like guaranteed minimum death benefits GMDBs and guaranteed living benefits GLBs, in many cases dependent for their financial viability on sophisticated hedging programs, have caused concern...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 01 Apr 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/annuity.html"><![CDATA[Annuity]]></category>
		<category domain="http://resources.bnet.com/topic/kpmg+international.html"><![CDATA[KPMG International]]></category>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[Risk-based Capital]]></category>
		<category domain="http://resources.bnet.com/topic/financial+executive.html"><![CDATA[Financial Executive]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Capital Requirement, Portfolio Risk Insurance And Dynamic Risk Budgeting]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=178842]]></link>
		<description><![CDATA[Due to risk based capital requirements, financial institutions need to budget their risk-taking to assure their financial survival. This is necessary because the economic capital of the institutions which has to back risky positions is widely assumed to be a short resource. Therefore, financial institutes are advised to pursue a...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 01 Nov 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/budgeting.html"><![CDATA[Budgeting]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[Risk-based Capital]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Risk-Based Capital Standards, Deposit Insurance, and Procyclicality]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=122424]]></link>
		<description><![CDATA[This article shows that risk-based deposit insurance premiums generate smaller procyclical effects than do risk-based capital requirements. Thus, Basel II's procyclical impact can be reduced by integrating risk-based deposit insurance. If deposit insurance is structured as a moving average of contracts, its procyclical effects can be decreased further. The results...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 13 Aug 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[Risk-based Capital]]></category>
		<category domain="http://resources.bnet.com/topic/standards.html"><![CDATA[Standards]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Risk-Based Capital Framework for Insurance Business]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=122421]]></link>
		<description><![CDATA[The paper reveals a proposed framework, based on emerging international standards and good practices in developed countries, which is risk-focused. It reflects the relevant risks that the insurance companies face. The minimum capital prescribed under the framework, which includes a consistent approach to the valuation of assets and liabilities, will...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 14 Nov 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/insurance+company.html"><![CDATA[Insurance Company]]></category>
		<category domain="http://resources.bnet.com/topic/risk-based+capital.html"><![CDATA[Risk-based Capital]]></category>
		<category domain="http://resources.bnet.com/topic/singapore.html"><![CDATA[Singapore]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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