Oracle Financial Services Basel II Internal Ratings Based Approach

Providing open, quick, out-of-the-box and risk-free compliance with Basel II & III guidelines in multiple jurisdictions, Oracle Financial Services Basel Regulatory Capital also enables strategic decision making and capital planning with the extensibility to meet future regulatory requirements.


  • Quickly achieve Basel II & III compliance with a “ready-to-go” analytical application already live in over 70 countries
  • Supports regulatory capital requirements under baseline and stressed scenarios to optimize capital
  • Obtain a complete and analytical view of regulatory capital requirements for strategic capital allocation
  • Facilitate compliance with IFSB capital adequacy and Basel guidelines
  • Comply with BIS Principles for Effective Risk Data Aggregation and Risk Reporting


  • Complete and pre-built Basel II & III solution covering multiple risks, portfolios and asset classes via Standardized, FIRB or AIRB regulatory approaches
  • Supports Pillar 3 & regulatory reporting through pre-configured reporting across multiple jurisdictions
  • Readily deployable application for compliance with Islamic Financial Services Board (IFSB) guidelines
  • Save time and money with a single regulatory solution
  • Transparent and complete audit trail for supervisory review
  • Integrated stress testing and modeling of multiple risk categories
  • Pre-built optimization engine for optimum capital allocation
  • Flexible & scalable to handle new business, new products, new entities, new rules
  • Comprehensive Modeling Framework
  • Unified metadata-driven data management architecture with Open, Pre-Built rule-set and Robust Rule & Run Framework
  • Identify changes in key parameters over time, drivers of change, and the change attributed to each driver

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