Why is Regulatory Control so good for financial confidence?
You get reports on all your data that comply with a range of regulatory agendas based on BCBS 248. You can apply stresses to your liquidity data and see the impacts of changes to payment behaviours and restrictions on credit lines and collateral.
A clear and accurate view
of your liquidity in real-time
* Realiti® Regulatory Control is live and operational now at head offices, subsidiaries, and branches of banks around the world.
* Generate on-demand reports for liquidity monitoring requirements – no manual intervention or complex calculations.
* Meet essential criteria that regulators assess for risk management.
* Incorporate sophisticated intraday stress testing to predict what happens to intraday liquidity under a range of stress scenarios.
* Regular updates ensure alignment with specific requirements, including regulators such as the UK PRA and the ECB.
Get Realiti Regulatory Control working for you
Built by experts with decades-deep banking experience, Regulatory Control can be live quickly and without the need for significant data to be sourced from the bank’s internal systems. Regulatory Control consists of two related capabilities and you can choose to buy one or both.
The best part? You get easy-to-access reporting and stress testing across all your chosen accounts.
Regulatory Reporting Module
What it does
This module was built specifically to deal with the need to comply with new global intraday regulations introduced under the BCBS 248 regime. Regulators place an emphasis on deploying tools that can report on historical periods and also monitor and manage on a real-time basis.
The module is regularly updated, ensuring firms adhere to the global BCBS 248 agenda and the more bespoke requirements of individual regulators. This includes the ECB and the UK PRA with its own intraday regime, which is an extension of BCBS 248.
Why firms like it
With Regulatory Reporting you can collect and store the right types of data, at appropriate levels of granularity, and meet intraday reporting requirements. You get a comprehensive selection of report templates, allowing users to run reports on demand and produce the results in real time – demonstrating to regulators control of liquidity monitoring requirements with no need for manual intervention or complex calculations.
Firms can generate reports that show the required monthly peaks and troughs of liquidity usage and also single and multiple days to support trend analysis. The results are available to be viewed on screen and can be exported for further analysis or dissemination.
Intraday Stress Module
What it does
This module was built to respond to regulations introduced since the 2008 financial crisis, as regulators require banks to apply a range of stress scenarios to their historical intraday profiles.
This modeling ensures that banks understand, monitor, and are ready to mitigate any intraday liquidity stresses and to help size liquidity buffers. The requirements are not prescriptive and regulators expect each firm to identify relevant scenarios that are appropriate for its business. Scenarios involve taking an intraday profile for a relevant day, modifying the actual intraday payment profiles observed that day and modeling the impact on cash and liquidity positions.
Why firms like it
Intraday liquidity sources and uses can change substantially during times of stress. ISM utilises the extensive data history stored within Realiti Cash Control to identify relevant intraday profiles.
ISM takes the actual stream of payments, receipts, and liquidity data from a baseline day, manipulates the data to reflect the required stress parameters, and creates a new stream of data reflecting how that day would have performed under stress. Different stress scenarios can be chained together to model the cumulative impact of multiple stresses.
The ISM module can integrate with the Regulatory Reporting module and also to front-end tools within Realiti Cash Control used in daily processing to display the impact of stress scenarios (e.g., the BCBS 248 can be re-run to understand the new peaks and troughs under the stressed condition).
ISM allows firms to determine the impact of stress on their intraday liquidity position under various scenarios and plan accordingly, while ensuring they are meeting BCBS 248 requirements.
How does implementation work?
We structure implementation via a phased approach based on desired outcomes and / or regional roll out.
There is no need to invest time and effort in porting data from internal systems.
Get expert advice on building liquidity confidence
You are warmly welcome to ask us any questions. Book a call to get expert advice from Planixs, we’d love to talk to you.
