Intelligent CRD Capital Adequacy compliance for optimal capital management

CRD Capital Adequacy & SREP Capital Add-On

Capital adequacy requirements under the CRD comprise the overall capital requirement from Pillar 1 minimum, SREP capital add-on (P2R), combined buffer requirement, and Pillar 2 Guidance (P2G).

  • 01AI-optimized capital adequacy monitoring with real-time monitoring
  • 02Automated SREP compliance with intelligent capital planning
  • 03Machine learning buffer optimization and capital management
  • 04Predictive capital adequacy analysis for strategic business decisions
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11+Years of experience
120+Employees
540+Projects
ISO 27001certified

CRD Capital Adequacy — Capital Stacking, SREP Add-On & Supervisory Capital Quantification

CRD capital adequacy defines how much own funds banks must hold: Pillar 1 minimum requirement (8% of RWA), SREP capital add-on (Pillar 2 Requirement, P2R) for risks not covered under Pillar 1, combined buffer requirement, and the non-binding Pillar 2 Guidance (P2G). The Overall Capital Requirement (OCR) is the sum of all components. CRD VI introduces enhanced ESG risk integration requirements and a revised SREP methodology from 2027. We advise on capital planning, SREP preparation, and MDA threshold calculation.

We offer a comprehensive portfolio of AI-supported solutions for the strategic implementation of all CRD Capital Adequacy requirements. Our approach combines in-depth capital management expertise with effective technology solutions for sustainable compliance excellence and capital optimization.

6 service modules

What we take on for you

Bookable individually or as an end-to-end programme.

01

AI-Based Capital Adequacy Monitoring and Automated Ratio Calculation

We use advanced AI algorithms for continuous monitoring of capital adequacy and develop automated systems for precise ratio calculations.

  • Machine learning analysis and monitoring of all capital adequacy ratios
  • AI-supported identification of capital adequacy optimization potential
  • Automated calculation of CET1, Tier 1, and total capital ratios
  • Intelligent simulation of various capital adequacy scenarios
02

Intelligent SREP Compliance and Automated Capital Planning

Our AI platforms optimize SREP compliance through automated capital planning and intelligent preparation for supervisory reviews.

  • Machine learning-optimized SREP preparation and documentation
  • AI-supported automated capital planning and stress testing integration
  • Intelligent ICAAP development and continuous validation
  • Adaptive monitoring of supervisory expectations and requirements
03

AI-Supported Buffer Optimization and Intelligent Capital Management

We implement intelligent buffer management systems with machine learning optimization and automated capital management.

  • Automated calculation and optimization of all buffer requirements
  • Machine learning capital conservation and countercyclical buffer management
  • AI-optimized systemic risk buffer assessment and management
  • Intelligent integration of buffer requirements into business strategy
04

Machine learning Capital Planning and Stress Testing Integration

We develop intelligent capital planning systems with automated stress testing integration and AI-optimized scenario analysis.

  • AI-supported strategic capital planning with multi-year forecasts
  • Machine learning stress testing integration and scenario analysis
  • Intelligent capital allocation by business area and risk type
  • AI-optimized capital adequacy forecasts for strategic decisions
05

Fully Automated Leverage Ratio and Liquidity Metrics Monitoring

Our AI platforms automate the monitoring of supplementary capital adequacy metrics with intelligent integration and predictive optimization.

  • Fully automated Leverage Ratio calculation and monitoring
  • Machine learning-supported NSFR and LCR optimization
  • Intelligent integration of all capital adequacy metrics into unified management
  • AI-optimized early detection of critical metric developments
06

AI-Supported Compliance Management and Continuous Optimization

We support you in the intelligent transformation of your CRD Capital Adequacy compliance and the development of sustainable AI capital management capabilities.

  • AI-optimized compliance monitoring for all capital adequacy requirements
  • Development of internal capital adequacy expertise and AI centers of excellence
  • Tailored training programs for AI-supported capital management
  • Continuous AI-based optimization and adaptive capital management

5 phases

Our AI-Supported CRD Capital Adequacy Approach

Together with you, we develop a tailored, AI-optimized CRD Capital Adequacy compliance strategy that intelligently meets all capital adequacy requirements and creates strategic capital advantages.

  1. AI-based analysis of your current capital adequacy situation and identification of optimization potential

  2. Development of an intelligent, data-driven capital management strategy

  3. Design and integration of AI-supported capital adequacy monitoring systems

  4. Implementation of secure and compliant AI technology solutions with full IP protection

  5. Continuous AI-based optimization and adaptive capital management

Your contact

Melanie Düring

Head of Risk Management

+49 69 913 113-01 info@advisori.de
The intelligent implementation of CRD Capital Adequacy requirements is the key to sustainable capital efficiency and regulatory excellence. Our AI-supported solutions enable institutions not only to achieve regulatory compliance, but also to develop strategic capital advantages through optimized capital adequacy management and predictive SREP preparation. By combining in-depth capital management expertise with advanced AI technologies, we create sustainable competitive advantages while protecting sensitive corporate data.

Our CRD Capital Adequacy Expertise

  • 01In-depth expertise in capital adequacy management and SREP processes
  • 02Proven AI methodologies for capital planning and optimization
  • 03Comprehensive approach from model development to operational implementation
  • 04Secure and compliant AI implementation with full IP protection

Capital adequacy as a strategic advantage

Excellent CRD Capital Adequacy compliance requires more than regulatory fulfillment. Our AI solutions create strategic capital advantages and operational superiority in capital management.

Certificates, partners and more

ISO 9001 CertifiedISO 27001 CertifiedISO 14001 CertifiedBeyondTrust PartnerBVMW Bundesverband MitgliedMitigant PartnerGoogle PartnerTop 100 InnovatorMicrosoft AzureAmazon Web Services

Your strategic success starts here

Our clients trust our expertise in digital transformation, compliance, and risk management

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