CFO, CRO, Treasurer
Find the capital to fund growth, buybacks, and acquisitions.
$115mcapital released this quarter
AI infrastructure for the modern bank risk & treasury
Built to optimize the balance sheet – because in banking, basis points are worth billions.
- Core banking system
- Loan origination system
- General ledger
- Collateral register
- Credit agreements
- Pledge deeds
baselisk.
Capital overview
Q3 2026
Capital released
$115m
+$52m this month
Total RWA
$18.96bn
vs $20.0bn pro forma (−5.22%)
CET1 ratio impact
+61 bps
11.0% → 11.6% on same capital
Exposures checked
136,712
8,332 opportunities identified
Total RWA, weekly
$bn
Pro forma, before BaseliskAfter BaseliskCapital released
Capital released, by book
$m
- Commercial real estate36
- Commercial & industrial28
- Single-family mortgage22
- Multifamily14
- Construction & land10
- HELOCs5
Total loan book115
Pending your team's validation6 items · 9
Collateral foundLN-20417 · appraisal report
+$3.2mcapital released
Illustrative portfolio. Not client data.
Where our team comes from
Free capital, skip the grind, stay exam-ready.
Baselisk handles the tedious data work, frees trapped capital, and keeps every number audit-ready – continuously, not once a quarter.
Give your team the time back
Cut the manual data search and reconciliation grind, especially at quarter-end.
Powered by Data ScoutFree capital for growth/buybacks
Turn trapped regulatory capital into lending capacity and stronger returns.
Powered by Capital OptimizerStay ready for any question
Walk into any board discussion, ALCO, or regulatory exam with the answer and the audit trail.
Powered by Capital Intelligence
What Q3 delivered
Q3 2026
Time backData Scout
136,712exposures checked
8,332opportunities identified
No manual data hunt across systems and documents.
Capital freedCapital Optimizer
$115mcapital released · RWA −5.22%
$2.1bnof new lending capacity
or+61 bpsCET1 ratio, 11.0% → 11.6%
Exam-readyCapital Intelligence
Every change traced to its source
+$3.2m capital←LN-20417←collateral_value←appraisal report · 14 Oct←approved by credit officer
Illustrative portfolio: $40bn assets, $20.0bn RWA pro forma, 11% CET1. Lending capacity = capital released ÷ (RWA density × CET1 ratio).
From exposures to RWA to audit trail, in one flow.
Find what others miss, without the manual data work.
What it does
- Connect all relevant data sources into one Golden Data layer
- Catch classification and data errors that inflate capital
- Flag exposures where missing documents force punitive risk weights
From five sources to one record per exposure
Structured data
- Core banking system136,712 accounts
- Loan origination system98,450 files
- Collateral register23,530 records
Documents
- Credit agreements41,000 documents
- Pledge deeds23,250 documents
Golden data layer
136,712exposures, one reconciled record each
Complete100%
Every field keeps a link back to its source system, record and page.
Free up the excess capital you don't need to hold.
What it does
- Sources data from the Golden Data layer
- Compute the accurate RWA number under the Basel III framework, as each jurisdiction implements it, accounting for edge cases
- Route data/document errors to the right Relationship Manager/Loan Officer for validation and convert them into capital saves
Risk weight before and afterLargest items this quarter
LN-20417Commercial real estate
+$3.2mLN-31206Construction & land
+$2.2mLN-18833Commercial & industrial
+$1.0mBeforeAftercapital released
Waiting for validation · 6 items · $9mRouted to the loan officers who own them. Each confirmed item is added to capital released.
Capital released this quarter$115m
Know why your capital moved and what's coming next.
What it does
- Monitor RWA and capital moves continuously, not just at quarter-end
- Trace any number back to its exposure, data field, and source system
- Explain drivers behind any movement in plain language that hold up with your CFO, your Board, and your regulator
- Get early warning on RWA build-up before it lands, with the actions to mitigate it
Ask Baselisk
Why did RWA move this week?
RWA rose $140m to $19.14bn, about $15m of CET1 capital at 11%. Four drivers:
- Construction & landTwo new loans at 150% until borrower equity is confirmed+$139m
- Commercial & industrialRevolving credit drawdowns+$21m
- Single-family mortgageAmortisation and payoffs−$14m
- Commercial real estateScheduled repayments−$6m
What's next: about −$47m once borrower equity on the two new loans is confirmed. Requested from the two loan officers who own them.
Sources: loan tape 19 Oct · credit agreements · general ledgerBuilt for both leaders and operators.
Finance, Capital, RWA Team
Get your hours back: no more quarter-end sprints, manual reconciliation, or data chased across a dozen stakeholders.
136,712 → 612exposures checked by Baselisk → items that need your review
What could this free up for your bank?
How this is calculated
capital released = reduction × RWA × CET1 ratio
new ROE = net income ÷ (total capital − capital released)
lending capacity = capital released ÷ (RWA density × CET1 ratio)
new ROE = net income ÷ (total capital − capital released)
lending capacity = capital released ÷ (RWA density × CET1 ratio)
Selected bankWestern Alliance Bank
Capital released
$387M
ROE improvement+5.2%12.2% → 12.9% ROE
Possible loan book expansion$4.7B
Figures are based on a 5% reduction in risk-weighted assets.
Data source: 2025 FDIC call reportsContact Us →
Data source: 2025 FDIC call reportsContact Us →
Built by bankers and AI builders, in the same room.
Our team spent 10+ years with finance, risk, and treasury functions at US and European banks, and built AI tools at big tech firms and startups. We understand the regulation, the organizational processes, the data, and the technology – and we built Baselisk to connect all four.
Questions about Baselisk, answered.
What Baselisk does, how it fits alongside your existing systems, and how we keep your data secure.
What is Baselisk?
Baselisk is an AI-native software that helps banks hold the right amount of regulatory capital. It finds the data and documentation gaps that inflate risk-weighted assets (RWA) and fixes them, without changing the bank's risk profile.
What is RWA optimization?
It is the practice of reducing a bank's risk-weighted assets through better data quality and correct, complete application of regulatory rules — without reducing actual lending. Lower RWA means less capital tied up and higher return on equity.
How much capital can RWA optimization release?
Results vary by portfolio, but banks typically find meaningful RWA reductions from fixing data gaps and applying the rules correctly and completely — often in the range of several percent of total RWA. For a mid-sized bank, that can translate into hundreds of millions in freed capital.
Is RWA optimization compliant with regulation?
Yes. It is about applying the regulatory framework correctly and completely — for example, recognizing eligible collateral and guarantees, fixing data gaps, and applying permitted treatments correctly. It does not involve regulatory arbitrage or misreporting.
Who uses Baselisk?
Teams responsible for regulatory capital: treasury, capital management, risk control, and finance functions at banks subject to Basel III — from mid-cap institutions to large banking groups.
How does Baselisk differ from consulting-led RWA reviews?
Traditional RWA reviews are one-off consulting projects that take months and produce a report. Baselisk is a software embedded into your workflow, allowing you to continuously monitor and optimize your RWA.
How long does implementation take?
Baselisk sits on top of your existing systems, significantly reducing implementation time. Because it works from standard regulatory data the bank already produces, initial analysis can start within weeks, not months. No core system integration is required to get first results.
How is Baselisk priced?
Our license fees are heavily weighted towards success participation. We win when the bank wins.
Does Baselisk replace our existing regulatory reporting systems?
No. Baselisk sits alongside your existing reporting and risk infrastructure and works from the data those systems already produce. Nothing needs to be replaced or migrated.
Which regulatory frameworks does Baselisk cover?
Baselisk is built on the Basel III framework, including the final reforms, and is configured to each jurisdiction's national implementation of it including Reg Q and CRR3.
How is our data kept secure?
Baselisk is GDPR compliant, and SOC 2 Type II is in progress. Deployments are structured to meet bank confidentiality and data residency requirements.
Let's discuss your capital efficiency.
Discover how Baselisk frees up trapped capital and gives your team its time back. Tell us a little about your institution and we'll take it from there.
hello@baselisk.com