The Challenge : Creating Basel III Pillar 3 Disclosures and DFAST stress test reports requires integrating data from dozens of internal systems (treasury, risk models, trading books, capital planning) with external regulatory scenarios. The manual process involves hundreds of compliance analysts working for weeks each quarter to extract, validate, reconcile, and format data. Any error risks regulatory sanctions and reputational damage for a G-SIFI institution. Traditional approaches couldn't keep pace with evolving regulatory requirements across jurisdictions.

The Pienomial Solution : Our three-stage autonomous regulatory reporting workflow transforms historical and current financial data into compliant reports

1. Document Intelligence: Analyzes prior period regulatory reports (DFAST, Basel III Pillar 3) and current financial filings (10-K, 10-Q) to understand report structure, regulatory requirements, and data relationships. Maps evolving regulatory specifications to internal data sources across treasury, risk, and trading systems.
2. Data Extraction & Validation: Extracts key financial metrics including Tier 1 capital ratios, CET1 ratios, leverage ratios, liquidity coverage ratios (LCR), net stable funding ratios (NSFR), and high-quality liquid asset inventories. Integrates Federal Reserve stress scenarios and calculates projected losses under baseline, adverse, and severely adverse conditions. Validates all extractions against source systems with complete traceability.
3. Report Assembly: Auto-generates compliant regulatory reports maintaining required format, structure, and disclosure standards. Ensures compliance thresholds (LCR ≥ 100%, NSFR ≥ 100%), documents capital action plans, and creates complete audit trails linking every data point to its source. Monitors regulatory changes and automatically adapts report generation to new requirements.