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Why are so many banks still using ICAAP and ILAAP models that break under pressure?

We kept seeing the same thing again and again:

• Spreadsheets stitched together with fragile logic, insufficient documentation and poor structure
• Scenarios that barely moved the needle
• Survival forecasts that don’t survive scrutiny
• People maintaining ICAAP and ILAAP tools they shouldn’t have been using

It wasn’t a one-off. We are seeing it everywhere.

As a result, we realised the real answer wasn’t patching up broken models. It was developing and offering a better solution from the start.

So, we challenged our team to solve it properly.

And I’m glad to say we’ve built something that finally does. The pain was too common to ignore.

RiskTAE can now offer:

1. A clean, auditable ICAAP Engine

Designed to calculate Pillar 1 and 2 capital needs, run stress scenarios, and generate Management Information and regulatory required outputs, all from a transparent, Excel-native framework.

2. A regulator-aligned ILAAP Liquidity Framework Calculator

Provides real-time LCR, NSFR, survival periods, stress scenario, and liquidity gap analysis under mild to severe stress. Customisable by currency, behaviour, and time buckets.

3. A BRRD Recovery and Resolution Planning Tool

Includes stakeholder mapping, early warning indicators, trigger thresholds, recovery options, resolution strategy playbooks, and continuity assessments.

These are Excel-native. Essentials only. Simple by design.

Every layer built for purpose, with the fluff stripped out.

Developed from the ground up to be efficient in both usability and cost, specifically for smaller firms.

Whether you just need a clean starting point off the shelf or full support to implement, these are ready to go.

Solving problems across the risk community is what drives us.

We do this through our recruitment, advisory, and training solutions, and now through focused and needed risk product development as well.

If you’ve ever struggled to build or fix an ICAAP, ILAAP, or BRRD plan,

drop a comment or send me a message. I’ll happily walk you through what we’ve built and how we can help.