Basel III
Basel III Capital & Liquidity Standards
Overview
Basel III is the international regulatory framework for bank capital adequacy, stress testing, and liquidity requirements. IOF models Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), and Capital Adequacy Ratio (CAR) mechanics in the FINANCIAL/Liquidity rail. Regulatory reporting hooks are exposed via the analytics-api for direct integration with supervisory reporting systems.
Scope
Applies to the FINANCIAL category: Liquidity rail (LCR, NSFR), Treasury rail (capital buffers), and Risk rail (stress testing hooks). Capital adequacy reporting available via analytics-api.
Key Controls
- Liquidity Coverage Ratio (LCR) calculation in liquidity rail
- Net Stable Funding Ratio (NSFR) modelled for term liquidity
- Capital Adequacy Ratio (CAR) hooks for regulatory reporting
- Stress testing endpoints for supervisory use
- Leverage ratio monitoring
- Regulatory reporting API compatible with EBA XBRL taxonomy
Certification & Audit
Regulatory self-assessment; supervisory integration available on request
Annual review aligned to Basel Committee publication cycle
Evidence Bundle
Evidence bundle available on request
Contact compliance@islamicopenfinance.com to request the evidence pack for this framework. We typically respond to audit requests within two business days.