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Application 'Portfolio Management'

The challenge

smart risk monitoring and reporting


A financial institution was looking for a digital solution to optimize its risk reporting related to the lending business. The regulation standard is requesting continuous monitoring of risk-related measures. A large proportion of the monitoring tasks were based on Excel-Sheets and e-mail communication. That did not meet the transparency and speed expectations of internal and external auditors. 

Those requirements came up with the "Principles for the Effective Aggregation of Risk Data and Risk Reporting" (BCBS 239) released by the Basel Committee on Banking Supervision and emerged by specifications of the EBA guidelines and Environmental, Social, Governance (ESG) amendments. Coping with new capabilities on a continuous basis requires a very flexible and scalable IT infrastructure. 

The following scope was identified for the project:

  • Cross-divisional definition, collection, and processing of risk-relevant data and their reporting with high quality and speed
  • Strengthening risk management to cope with stress and crisis situations
  • A holistic view of the current business situation for decision-makers
  • New business requirements to be implementable in a "plug-and-play" approach

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The application 'Portfolio Management'

transparency and speed in risk monitoring and reporting

The cross-functional team of internal developers, knowis Expert Labs, and IBM Expert Labs is based on a concept of easily customizable domain modules as well as technical capabilities of orchestration and report generation.

  • mockrocket-capture (4) (1) (1) (1)The app supports, controls, and documents the collaboration of all parties involved 
  • Data is transferred into an overarching control view to create transparency about status and defined risk trigger
  • Event-driven architecture to cope with constant data in- and outflow 
  • Run-time adjustable reports
  • Seamless integration with the existing IT infrastructures, IT policies, and business processes

The project 'Portfolio Management' was turned into a program and is constantly evolving due to new regulatory amendments and announcements.


Cost reduction for
report generation

Automated generation and distribution of reports


Reduction of user-driven monitoring efforts

Risk-trigger to define action items and initiate escalation scenarios


Reduction of documentation workload

Fully automated documentation and logging of user or system activities

"With knowis, we were able to implement a solution that is a perfect fit for the customer's use case and at the same time meets the regulatory requirements. We are also in contact with the bank regarding the implementation of future regulatory requirements."

Project Manager IBM Germany

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Six challenges in implementing fully digital and compliant risk reporting within nine months.

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