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ICG: Individual Capital Guidance

Individual Capital Guidance (ICG) is set by the regulator and is a firm-specific capital requirement.

Should the regulator’s SREP indicate that a firm’s risk profile requires more capital than is currently provided under Pillar 1, then they may request additional capital by setting Individual Capital Guidance.

ICG: Firm-specific capital requirements

Having undertaken a SREP on a Firm’s ICAAP, the regulator may determine that a firm’s risk profile requires additional capital over and above that determined by Pillar 1. As such, under Pillar 2, the regulator may set Individual Capital Guidance or ICG for a firm.

The purpose of ICG is to ensure that the specific risks faced by a particular firm are adequately covered by sufficient capital not prescribed in Pillar 1.

ICG will vary from firm to firm since this is a firm-specific capital requirement and will be dependent upon the firm’s Internal Capital Adequacy Assessment Process (ICAAP) and the results of the regulator’s SREP.

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ICAAP Support Services

If your firm would like information on our ICAAP support services such as assistance in examining your ICAAP to ensure it is appropriately assessed for your current business plan and activities or assistance in documenting this review, please contact us. Our experienced ICAAP Consultants would be happy to help, so send an enquiry or telephone today.

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