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. Combining our decades of expertise in credit risk and reporting with the power of automation, Banking Cloud Credit Risk is designed to create efficiencies and transform your regulatory compliance and add value. 

Category Leader in Chartis Credit Risk Reporting Solutions Report 2023
Category Leader in Chartis Credit Risk Reporting Solutions Report 2023
Moody's Analytics has been chosen as the Credit Risk Reporting Solutions category leader in the Chartis Credit Risk Reporting Solutions, 2023: Market and Vendor Landscape quadrant report.
Introducing Banking Cloud Credit Risk
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
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
Relevant Resources
Basel IV and the Butterfly Effect: A Lesson in Unintended Consequences
This whitepaper demonstrates the necessity for banks to design a capital portfolio management framework to meet the new requirements imposed by the finalization of Basel IV.
Regulatory Compliance as a Service
This whitepaper explores the subject and various benefits of migrating regulatory compliance and reporting into the cloud, or how we call it 'Regulatory Compliance as a Service (RCaaS).
Webinar: How to manage credit risk capital requirements under Basel IV?

Webinar: How to manage credit risk capital requirements under Basel IV?
Basel IV will introduce several new requirements and reforms to the current legislation. Join this on-demand webinar to learn about how banks can tackle these changes and ensure that they comply with regulations?
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 | [email protected]
EMEA | +44.207.772.5454 | [email protected]
Asia Pacific | +852.3551.3077 | [email protected]
Japan | +81.3.5408.4100 | [email protected]