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Regulatory calculation and reporting

In an increasingly complex, data-driven world, insurance companies and banks must ensure the efficiency and accuracy of their financial, climate, and regulatory reporting.

Moody's cloud-native technology offers robust tools to help clients automate, streamline, and enhance regulatory compliance and reporting for various regulatory regimes.

Through unified data, streamlined workflows, and efficient calculations we help banks achieve reporting excellence that delivers benefits beyond regulatory compliance.

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How can we help?

We provide powerful tools that help insurance companies and banks automate, streamline, and enhance their compliance, financial standards, and reporting processes.

01
Trusted and thorough data

Assess impacts of regulation, manage risks in real time and build confidence in your calculations by seamlessly integrating, mapping, and validating reliable and extensive datasets into your workflows.

02
Automate regulatory compliance

Access the full regulatory compliance workflow with data prep, quality assessment, and enrichment, as well as regulatory calculation, reporting, validation, and submission. Minimize the time, effort, and cost using our Software as a Service (SaaS) solution.

03
Streamline report submissions

Reduce the complexity of submitting reports by leveraging our report templates to populate submissions automatically. Review, amend, and approve reports prior to submission using our automated workflow tools.

04
Enhance the quality of reports

Gain greater control over critical data to maintain data integrity by leveraging our robust audit and security tools. Identify missing or flawed data, handle varying data volumes, and generate high-quality reports using our Cloud-native platform.

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Speak to our team today

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Testimonial

“IFRS 17 implementation has become a key lever for modernizing and industrializing our actuarial processes. We chose Moody’s solutions AXIS™ and RiskIntegrity™ for IFRS 17 based on their balance between out-of-the-box predefined structure and flexibility, which will help us simplify the implementation and modeling of all our life insurance products.”

- Carlos González
Chief Financial Officer, Seguros RGA

Solutions for insurance

01 Regulatory accounting

Regulatory accounting

Moody's regulatory financial accounting solutions help insurance companies address global insurance regulations, financial standards, and accounting frameworks for the measurement and reporting of solvency, insurance contracts, and capital.

Our models and data, economic forecasts, advisory services, and infrastructure solutions integrate seamlessly into existing infrastructure—supporting insurers with the calculation, measurement, financial projections, analytics, and reporting to help meet regulatory compliance and financial reporting demands. These include requirements under IFRS 9, IFRS 17 LDTI, Solvency II, and other similar regulatory requirements. 

More on LDTI
Regulatory accounting
Regulatory accounting

Regulatory accounting

Moody's regulatory financial accounting solutions help insurance companies address global insurance regulations, financial standards, and accounting frameworks for the measurement and reporting of solvency, insurance contracts, and capital.

Our models and data, economic forecasts, advisory services, and infrastructure solutions integrate seamlessly into existing infrastructure—supporting insurers with the calculation, measurement, financial projections, analytics, and reporting to help meet regulatory compliance and financial reporting demands. These include requirements under IFRS 9, IFRS 17 LDTI, Solvency II, and other similar regulatory requirements. 

More on LDTI

Solutions for banks

01 Regulatory capital and compliance

Regulatory capital and compliance

Moody’s Banking Cloud Credit Risk is a calculation and reporting engine that helps you 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.

Our solution streamlines the regulatory compliance process and allows you to address your regulatory capital and reporting requirements in a timely and cost-efficient manner. We help optimize compliance by automating our extensive credit risk expertise, adding efficiency to your operations.

More on Banking Cloud Credit Risk
Regulatory capital and compliance
02 Reporting-as-a-service

Reporting-as-a-service

Moody's Reporting-as-a-Service (RaaS) solution leverages a new cloud-native Reporting Studio—a powerful reporting engine that helps banks adhere to the latest regulations and support timely and cost-effective compliance.

Our Reporting Studio integrates cloud technology, data management, business intelligence, and advanced reporting to address regulatory requirements, including EBA COREP, FINREP, and UK-specific reports (BoE, PRA, FCA). This holistic solution reduces the regulatory burden and compliance costs for financial institutions.

More on Reporting Studio
Reporting-as-a-service
03 Impairment accounting

Impairment accounting

Moody’s helps you address the operational complexities of evolving credit impairment accounting standards.

Our user-friendly and auditable platform enables data consolidation, model warehousing, expected credit loss calculation, and insightful analysis of results. We empower you to automate and simplify the operational complexities of evolving credit impairment accounting standards.

IFRS 9

Moody’s IFRS 9 solution includes award-winning data, models, economic scenarios, and automation tools for credit loss calculations. Our credit and accounting experts guide you to the right solution, integrating modular components seamlessly into your internal systems.

Key features:

  • Centralize and clean data from diverse source systems effortlessly

  • Use our economic forecasts and custom scenarios for forward-looking analysis

  • Select an expected credit loss estimation methodology and its relevant risk parameters across portfolio segments and asset classes
     

  • Apply expert judgment through fully auditable overrides and management overlays
     

  • Automate a repeatable provision calculation using a configurable, user-oriented process management tool that can interact with risk and finance teams

Current expected credit losses (CECL)

Moody’s is uniquely positioned to help you implement the CECL accounting standard and seamlessly integrate significant changes into your allowance and credit infrastructure. We provide comprehensive data, modeling, forecasting, and advisory services that help enable institutions to develop more profitable, forward-looking strategies.

Our modular and integrated set of solutions covers the entire credit lifecycle, ensuring that data captured at one stage of the process can be efficiently reused. We offer a user-friendly and auditable platform for data consolidation, model warehousing, expected credit loss calculation, and insightful analysis of CECL implementation results.

More on our CECL solutions
Impairment accounting
Regulatory capital and compliance Reporting-as-a-service Impairment accounting

Regulatory capital and compliance

Moody’s Banking Cloud Credit Risk is a calculation and reporting engine that helps you 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.

Our solution streamlines the regulatory compliance process and allows you to address your regulatory capital and reporting requirements in a timely and cost-efficient manner. We help optimize compliance by automating our extensive credit risk expertise, adding efficiency to your operations.

More on Banking Cloud Credit Risk

Reporting-as-a-service

Moody's Reporting-as-a-Service (RaaS) solution leverages a new cloud-native Reporting Studio—a powerful reporting engine that helps banks adhere to the latest regulations and support timely and cost-effective compliance.

Our Reporting Studio integrates cloud technology, data management, business intelligence, and advanced reporting to address regulatory requirements, including EBA COREP, FINREP, and UK-specific reports (BoE, PRA, FCA). This holistic solution reduces the regulatory burden and compliance costs for financial institutions.

More on Reporting Studio

Impairment accounting

Moody’s helps you address the operational complexities of evolving credit impairment accounting standards.

Our user-friendly and auditable platform enables data consolidation, model warehousing, expected credit loss calculation, and insightful analysis of results. We empower you to automate and simplify the operational complexities of evolving credit impairment accounting standards.

IFRS 9

Moody’s IFRS 9 solution includes award-winning data, models, economic scenarios, and automation tools for credit loss calculations. Our credit and accounting experts guide you to the right solution, integrating modular components seamlessly into your internal systems.

Key features:

  • Centralize and clean data from diverse source systems effortlessly

  • Use our economic forecasts and custom scenarios for forward-looking analysis

  • Select an expected credit loss estimation methodology and its relevant risk parameters across portfolio segments and asset classes
     

  • Apply expert judgment through fully auditable overrides and management overlays
     

  • Automate a repeatable provision calculation using a configurable, user-oriented process management tool that can interact with risk and finance teams

Current expected credit losses (CECL)

Moody’s is uniquely positioned to help you implement the CECL accounting standard and seamlessly integrate significant changes into your allowance and credit infrastructure. We provide comprehensive data, modeling, forecasting, and advisory services that help enable institutions to develop more profitable, forward-looking strategies.

Our modular and integrated set of solutions covers the entire credit lifecycle, ensuring that data captured at one stage of the process can be efficiently reused. We offer a user-friendly and auditable platform for data consolidation, model warehousing, expected credit loss calculation, and insightful analysis of CECL implementation results.

More on our CECL solutions

News and views

article
Moody's
Top 10 lessons learned from IFRS 17 implementation

In January 2023, the introduction of the IFRS 17 accounting standard created a notable change to the reporting, data, and accounting systems across the organization for (re)insurers in more than 100 countries across the globe.

  • Insurance
  • Regulatory
Read more
whitepaper
Moody's
Basel IV and the butterfly effect: A lesson in unintended consequences

This whitepaper highlights why banks must design a capital portfolio management framework to meet the new requirements imposed by the finalization of Basel IV.

  • Banking
  • Regulatory
Read more
whitepaper
Moody's
Capital stress testing: More than just a regulatory exercise

Institutions of all sizes have raced to the finish line and wrapped up their annual capital plan and stress testing this April. What made this year’s exercise unique is that it coincided with the onset of the banking crisis.

  • Banking
Read more
whitepaper
Moody's
Meeting the regulatory challenge

Regulators are seeking to build more efficiency and resilience into the banking system. Lenders must keep up with a rapidly changing environment while also working within the limits of existing regulations.

  • Banking
  • Regulatory
Read more
article
Moody's
Regulatory reporting for digital banks

The appeal of digital banks is that they are disruptive of the industry’s norms. But this is the very opposite of what is required by regulatory reporting.

  • Banking
  • Regulatory
Read more
article
Moody's
What lenders need to know about Section 1071

The Consumer Financial Protection Bureau (CFPB) released the final ruling under Section 1071 stating that covered financial institutions are required to collect and report data on applications for credit for small businesses. While compliance departments are likely aware of Section 1071, lenders may not be, and it could impact them the most.

  • Banking
  • Regulatory
Read more
article
Moody's
Navigating the challenges of accessing ESG data for P&C insurers

P&C insurers are increasingly recognizing the importance of corporate sustainability and the role that environmental, social and governance (ESG) factors can play when identifying and managing risk to make more informed decisions.

  • Banking
  • Regulatory
Read more
article
Moody's
CLAL Insurance selects Moody's Scenario Generator

We are delighted that CLAL Insurance in Israel has selected the Moody’s Scenario Generator for the valuation of their insurance liabilities under Solvency II and IFRS 17.

  • Banking
  • Regulatory
Read more

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Interested in learning more about our offerings? Our solutions specialists are ready to help.