Banking Cloud: Cloud-native Software-as-a-Service solutions
Banking Cloud is a suite of the next generation of cloud-native, SaaS regulatory compliance and performance solutions for risk and finance functions. These solutions are designed to combine the benefits of cloud-native technology and Moody's Analytics long-standing regulatory expertise. Banking Cloud solutions bring you effective regulatory compliance, enhanced business intelligence, excellent data management, and industry-leading reporting capabilities.
Introducing Banking Cloud Credit Risk
A cloud-native Credit Risk solution helping banks to get up-to-date with the latest capital adequacy requirements
Moody’s Analytics Banking Cloud Credit Risk is a calculation and reporting engine that helps you to comply with current and upcoming regulatory capital requirements including the latest Basel Committee on Banking Supervision (BCBS) standards and European Banking Authority (EBA) Capital Requirements Regulations (CRR), as well as the national discretions of your domestic supervisors.

A cloud-native and scalable solution, Banking Cloud Credit Risk streamlines your regulatory compliance process and allows you to address your specific regulatory capital and reporting requirements in a timely and cost-efficient manner.
Key Features
A powerful preconfigured credit risk calculation and reporting engine
Our calculation and reporting engine comes configured with predefined regulatory rules and reporting templates per jurisdiction, allowing you to:

Compute, report, and perform parallel runs on your Risk Weighted Assets (RWA) numbers according to Standardized and Internal Rating-based (IRB) approaches for all asset classes

Calculate Counterparty Credit Risk Exposure to comply with the latest SA-CCR regulation and previous Current Exposure Method (CEM)

Assess concentration risk and identify Large Exposures to be reported 
Results comparison for better business decisions
Our solution features a results comparison suite - a set of tools helping you to identify and explain changes in your calculation results between two different reporting dates, two different software versions, or two different regulatory requirements.

In just a few clicks, you can see what has changed and why it has changed, giving you a deeper and more detailed understanding of the risk drivers behind the variance. 

In our solution, you can perform Quantitative Impact Studies (QIS) to evaluate the impact of future regulations (e.g., Revised Basel 3, CRR II, and CRD V) on your business.
Advanced data and validation capabilities to ensure consistency
Our solution features intuitive data management capabilities to help you load, transform, and map your data. It also allows you to:

Reconcile data to achieve consistency and create the single source of truth for all your reports 

Track data lineage to see what information contributed to the data points on your reports

Drill down into data points to understand the underlying logic 

Resolve data quality and validation issues by using our smart adjustment capabilities 
Calculation and Reporting Workflow


Calculation of Counterparty Credit Risk for derivatives under SA-CCR and CEM

Banking Cloud offers additional capabilities for calculating your Counterparty Credit Risk Exposure at Default (EAD) and relevant risk weights to comply with the latest Standardized Approach for Counterparty Credit Risk (SA-CCR) and the Current Exposure Method (CEM). Additionally, we support Financial Collateral Comprehensive Method (FCCM) for calculating the EAD for your Securities Financing Transactions (e.g. repo-style and margin lending transactions).

The Counterparty Credit Risk (CCR) module is embedded in our Credit Risk engine, and available as a standalone product or integrated with other Banking Cloud functionalities to provide a seamless calculation and reporting workflow.

To ensure accuracy and easy reconciliation of the calculation results, the CCR module includes preconfigured validation rules and enables applying adjustments on input data and result tables. Additionally, the module also includes comparison tools to identify differences in calculation results between two reporting periods or two versions of the software to help easily understand what has changed in the results between the SA-CCR and CEM methods.

Regulatory maintenance for your continuous compliance
Regulatory maintenance for your continuous compliance
Our solution comes out-of-the-box with a set of regulatory rules for each jurisdiction. We then continuously monitor your national bank's regulatory updates, adjust the configuration, and publish it on time on your environment. We call it regulatory maintenance, and it allows you to stay up-to-date and compliant. Automatically and always.
Secured and compliant cloud hosting
Compliant with EBA recommendations on outsourcing and cloud hosting
Aligned with the local data protection and data residency requirements (including GDPR)
Available across several data centers to match the highest business continuity standards
Quantitative Impact Study
Quantitative Impact Study
As Basel III rules are finalized, banks are looking to complete their Quantitative Impact Studies (QIS).

In this video Dieter Van der Stock describes the QIS solution that Moody's Analytics Banking Cloud Credit Risk provides.
Relevant Resources
Final Basel III Reforms: How Can Banks Prepare for the ‘Basel IV’ Changes?
This whitepaper highlights Moody's Analytics view on the latest industry and regulatory technology trends that banks could use to get ready for quantitative impact studies and the final implementation of the Basel Committee on Banking Supervision (BCBS) latest rules.
Best Practices for SaaS Security
This whitepaper gives an overview of the security concerns about Software-as-a-Service (SaaS) in the banking and financial services sector and highlights best practices for technology, business culture, governance, and compliance.
Contact our team to get a personalized demonstration of our solutions or a callback.

If you require immediate assistance, please contact our Client Services desk.
Americas | +1.212.553.1653 |
EMEA | +44.207.772.5454 |
Asia Pacific | +852.3551.3077 |
Japan | +81.3.5408.4100 |