PWLBtoday
Counterparty/Method and data
Built 2026-09-14 15:43 UTCBeta

Method and data

How the score is built, what is held for every name, and what ran last night.

Version 2, published in full. Information, not advice.

Sources

Regulatory figures come from the FDIC API (US banks, lead bank subsidiary), the EBA Pillar 3 Data Hub and Transparency Exercises (EU and EEA banks, consolidated), and each firm's own Pillar 3 disclosures (UK and other regions, read from PDF by a rules-based KM1 extractor with arithmetic validation; no AI service). Ratings and rating actions come from the ESMA European Rating Platform. Prices come from public market data. Bond quotes come from Börse Frankfurt's public price pages for each bank's senior fixed-rate bonds (two to eight years to run); they stay private and only the 30-day yield change against other bank bonds in the same currency is shown. CDS levels are medians of the day's reported trades in DTCC's public swap-data files (indicative, inferred from upfront payments), and the iTraxx and CDX index levels shown as credit benchmarks are index prints from the same source. The ICE BofA option-adjusted spread indices published by FRED are collected only where a FRED API key is configured, and nothing on this site is currently built from them. Headlines are discovered through Google News and kept only when they pass a credit vocabulary and noise filter. Every figure on a profile carries its source, method and reference date.

Score

Two parts. The rating anchor is 40 percent of the score: the composite agency rating (the median of the long-term ratings held by the agencies that rate the bank, on a common scale from AAA to CCC) converted to a sub-score by the table below. The ratio pillars are the other 60 percent: each regulatory metric is converted to a 0 to 100 sub-score by straight-line interpolation between the thresholds below, averaged within its pillar and weighted. Missing metrics do not score zero: the ratio weights are re-scaled over what is available and the coverage percentage is shown. A band is only assigned when coverage is at least 50 percent.

A score needs three things, and is withheld with the reason stated when any is missing: an agency rating (ratios alone say too little, and a young or small bank's ratios are often high because its balance sheet is small or immature), a capital ratio (a rating alone says nothing about today's balance sheet), and capital figures no older than eighteen months. Unrated banks and banks whose latest Pillar 3 figures are stale therefore show "not scored" rather than a number, and they can still be sorted and compared on the ratios and ratings they do have. A bank rated in the BBB range is capped at 74.9 (band B) and a bank rated below investment grade at 64.9 (band C): strong ratios can lift a bank at most one band above what its rating says.

ComponentWeightInputs
Rating anchor40Composite long-term agency rating; required for a score; caps of 74.9 for the BBB range and 64.9 below investment grade
Capital25CET1 capital ratio, Leverage ratio, Total capital ratio
Liquidity15Liquidity coverage ratio, Net stable funding ratio
Asset Quality5Non-performing or noncurrent loan ratio
Profitability5Return on equity, Return on assets, Cost-to-income or efficiency ratio
Stability10cet1_headroom

Rating sub-scores

AAA
100		AA+
95		AA
91		AA-
87		A+
81		A
75		A-
69		BBB+
60		BBB
52		BBB-
44		BB+
33		BB
25		BB-
17		B+
10		B
5		B-
2		CCC
0

Thresholds (value → sub-score)

CET1 capital ratio4.5→0 · 8.0→30 · 11.0→55 · 14.0→80 · 18.0→95 · 25.0→100
Leverage ratio3.0→0 · 4.0→40 · 5.0→70 · 6.5→90 · 9.0→100
Total capital ratio8.0→0 · 12.0→40 · 16.0→70 · 20.0→90 · 26.0→100
Liquidity coverage ratio100→0 · 120→40 · 140→65 · 170→85 · 220→100
Net stable funding ratio100→0 · 110→40 · 125→70 · 140→90 · 160→100
Non-performing or noncurrent loan ratio0.2→100 · 1.0→85 · 2.0→65 · 4.0→40 · 8.0→10 · 15.0→0
Return on equity-5.0→0 · 2.0→30 · 6.0→55 · 10.0→75 · 15.0→90 · 25.0→100
Return on assets-0.5→0 · 0.2→30 · 0.6→55 · 1.0→75 · 1.5→90 · 2.5→100
Cost-to-income or efficiency ratio40.0→100 · 55.0→80 · 65.0→60 · 75.0→35 · 90.0→10 · 110.0→0
cet1_headroom0.0→0 · 1.5→35 · 3.0→60 · 5.0→80 · 8.0→100

Bands

A 80 and above · B 65 and above · C 50 and above · D 35 and above · E 0 and above. Bands carry hysteresis in later versions so they do not flicker at boundaries.

What changed from version 1

Version 1 scored ratios alone against absolute thresholds and kept ratings in the private overlay. That put small, young or narrowly focused banks with very high capital and liquidity ratios at the top of the table, some of them unrated, and large diversified banks with A+ ratings and leaner ratios in band C. Version 2 (7 September 2026) makes the rating the anchor, moves ratings out of the overlay so they are not counted twice, and withholds the score from unrated banks and from banks without current capital ratios. Scoring ratios relative to each peer group rather than to absolute thresholds is the next candidate change.

My policy

A page for the treasurer's own approved list. You enter the counterparties you accept and the longest tenor for each; the page keeps the list in your browser (and in a link you can share with colleagues) and checks it on every visit against the current score, band, ratings, market signal, news and data age, flagging what has changed since the day each name was approved. Like-for-like shows the other covered names whose public standing is at least as strong as the weakest counterparty you already accept at each tenor. It compares public information; it does not suggest a tenor, a limit or a list, which remain the treasurer's policy and the adviser's advice.

Ratings

The Ratings page shows each entity's latest long-term rating by agency (issuer or issuer default rating where it exists, otherwise deposit or counterparty), its outlook, the short-term rating, and the composite. Ratings come from the ESMA European Rating Platform and are shown with agency attribution, refreshed daily. Each profile also carries the rating history the register publishes under every live rating record, back to the platform's first day on 1 July 2015: the agencies' own actions, with the composite rebuilt as the median of whatever stood on the day. Nothing before July 2015 is on the platform, and a rating record an agency has removed from it takes its actions with it.

Market overlay

A layer built from five-year CDS levels and 30-day changes where a CDS market exists (otherwise the 30-day change in the bank's own bond yields against peers), 30-day equity volatility and drawdown from the 52-week high. It adjusts the public score by at most ±10 points. Provisional weighting (September 2026): the three signals count equally, each worth at most 2.5 points either way. A CDS move is measured within one source (settlement against settlement, or trade medians on days with three or more trades) and split into the part shared with iTraxx Senior Financials and the part that is the bank's own; the label says which. The direction and size of the adjustment are shown; CDS levels themselves are not redistributed.

Limitations

  • US banking groups appear twice, as in the UK: the operating bank a depositor faces (Call Report figures from the FDIC, with the US Tier 1 leverage ratio scored on its own scale, and the group's LCR shown as a group figure because banks do not publish their own) and the holding company (binding Basel ratios, the lower of the standardised and advanced approaches, from its Pillar 3 report or XBRL filings, the supplementary leverage ratio, the public LCR disclosure, and asset quality and profitability inherited from its lead bank, labelled).
  • UK and other-region figures depend on PDF extraction; failed validations are shown as unverified rather than hidden.
  • Peer percentiles are computed only among entities with a score, so they are unstable while coverage is low.
  • Asset quality and profitability are held only for US banks so far, so those pillars are re-scaled away for most of the universe; the Coverage page shows this per bank.
  • Back-tests against past failures are planned.

What is held for every entity: the score it earns, ratings by agency, share price, CDS and bond data, news, and for each ratio the number of reporting periods and the years they span. A build-time view, so gaps are visible before they are trusted.

152
entities
118
scored
130
rated
74
5+ years of ratios
108
with LCR
50
with asset quality
69
with a share price
39
with CDS
86
with bonds
EntityScoreRatingPrice daysCDS daysBondsNews 90dYearsSourcesCET1Tier 1Total cap.LeverageLCRNSFRRequirementNPLROEROACost/incomeAssets
NWB Bank
eu_large
99.4 AAAA· MS——5—10.0eba, EBA TE202015–25202015–25202015–25182016–2522025–2522025–2522025–25—————
BNG Bank
eu_large
95.3 AAAA· FMS——4210.0eba, EBA TE, esef192015–25192015–25192015–25172016–25120251202512025122018–2452021–2552021–2552021–25142018–25
BOCHK
asia
91.7 AA+· FMS497 2388.HK——15.5fundamentals, pillar3232020–26232020–26232020–26—232020–26232020–26——42022–2542022–2542022–2552022–26
Standard Chartered HK
asia
90.0 AA+· MS————5.5pillar3232020–26232020–26232020–2642022–23152022–26232020–26——————
Handelsbanken plc
uk_mid
88.5 AAA· FS————3.0pillar352022–2552022–2552022–2552022–2552022–2552022–2552022–25—————
HSBC Hong Kong
asia
88.0 AAA-· FMS———26.7esef, pillar3262019–26322018–26322018–2672024–26322018–26322018–26——32020–2232020–2232020–2232020–22
JPMorgan Chase Bank
us
88.0 AAA-· DFMS———39.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
JPMorgan Chase
us
87.2 AA+· DFMS507 JPM15420—edgar, fundamentals————————142012–25142012–25142012–25182012–26
Rabobank
eu_large
87.1 AAA-· DFMS—15—910.5eba, EBA TE, esef232015–26232015–26232015–26212016–2622026–2622026–2632025–26122018–2462020–2562020–2562020–25142018–25
OP Financial Group
eu_large
87.0 AAA-· MS————10.5eba, EBA TE, esef352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2442022–2542022–2542022–25262018–25
NBK International
uk_mid
86.3 AA+· FS————1.0pillar322024–251202522024–2522024–2522024–2522024–25——————
Morgan Stanley Bank
us
86.2 AAA-· FMS————9.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
BayernLB
eu_large
85.9 AAA-· FM——4—10.2eba, EBA TE342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–24———242018–24
TD Bank
can
85.8 AAA-· DFKMS509 TD.TO——221.3fundamentals, pillar352025–2652025–2652025–26—————42022–2542022–25—82022–26
Yorkshire BS
uk_bs
84.8 AA· FM——4—2.5esef, pillar3112023–26112023–26112023–26112023–26112023–26112023–26112023–26—62020–2562020–2562020–2562020–25
DZ Bank
eu_large
84.4 AAA-· DFMS——5—10.2eba, EBA TE342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–24———242018–24
OP Corporate Bank
eu_large
84.0 AAA-· MS——411.5nsm_release72024–25——————72024–2572024–25—72024–25—
Skipton BS
uk_bs
83.9 AA· FM——3—7.5esef, pillar3222018–26222018–26222018–26212019–26212019–26152022–26182022–26—62020–2562020–2562020–2562020–25
UOB
asia
83.5 AAA-· FMS511 U11.SI—4—2.5fundamentals, pillar3112023–26112023–26112023–26112023–26112023–26112023–26——42022–2542022–2542022–2552022–26
Leeds BS
uk_bs
83.1 AA-· FM————6.5esef, pillar3172019–26172019–26172019–26172019–26152021–26142022–26142022–26—22020–2162020–2562020–2562020–25
TSB
uk_mid
82.6 AA+· M——4—3.0pillar342022–2532023–2532023–2542022–2542022–26———————
State Street Bank
us
82.1 AAA· DFMS———19.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
DBS
asia
81.9 AAA-· FMS511 D05.SI7361.0fundamentals, pillar352025–2652025–2652025–2652025–2652025–2652025–26——42022–2542022–2542022–2582022–26
OCBC
asia
81.7 AAA-· FMS511 O39.SI—1146.7fundamentals, pillar3282019–26282019–26282019–26282019–26282019–26282019–26——42022–2542022–2542022–2582022–26
Credit Mutuel
eu_large
81.6 AA+· MS————10.0eba, EBA TE322015–25322015–25322015–25302016–2522025–2522025–2522025–25242018–24———242018–24
UBS
ch
81.6 AA+· DFS506 UBSG.SW185161.0fundamentals, pillar352025–2652025–2652025–2622026–2622026–2622026–26——42022–2542022–25—82022–26
Coventry BS
uk_bs
81.2 AA· FM——415.3esef, pillar3192020–26192020–26192020–26182021–26182021–26132023–26172022–26—62020–2562020–2562020–2562020–25
Swedbank
eu_large
80.2 AAA-· DFMS506 SWED-A.ST1241810.5eba, EBA TE, esef, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2462020–2562020–2562020–25302018–26
La Banque Postale
eu_large
79.1 BA· FMS————10.2eba, EBA TE, esef342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2462020–2562020–25—262018–25
Commonwealth Bank
aus
78.9 BAA· DFMS514 CBA.AX8442.0fundamentals, pillar392024–2692024–2692024–2692024–2692024–2692024–26——42023–2642023–2642023–2662023–26
State Street
us
78.8 BAA-· DFS507 STT—4143.5edgar, fundamentals, pillar3152022–26152022–26152022–26152022–26————142012–25142012–25142012–25182012–26
Emirates NBD
gulf
78.7 BA+· FM419 EMIRATESNBD.AE—3224.5fundamentals, pillar3192021–26192021–26192021–26192021–26192021–26192021–26——42022–2542022–2542022–2582022–26
Credit Agricole
eu_large
78.5 BA+· DFMS517 ACA.PA2246—eba, esef, fundamentals12026120261202612026120261202612026—72019–2572019–2542022–25112019–26
NORD/LB
eu_large
78.5 BAA-· DFM——5—10.2eba, EBA TE342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–24———242018–24
RBC
can
78.4 BAA-· DFKMS509 RY.TO—452.5esef, fundamentals, pillar3112024–26112024–26112024–26112024–26————52021–2552021–25—92021–26
First Abu Dhabi Bank
gulf
78.2 BAA-· FMS0—425.5pillar3242020–26242020–26242020–26242020–26242020–26242020–26——————
Morgan Stanley
us
78.1 BA+· DFMS507 MS234137.2edgar, fundamentals, pillar3302019–26302019–26302019–26302019–2692024–26———142012–25142012–25142012–25182012–26
Helaba
eu_large
78.0 BAA-· FM——4610.2eba, EBA TE342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–24———242018–24
NAB
aus
77.9 BAA-· DFMS514 NAB.AX75112.7esef, fundamentals, pillar3422013–26422013–26422013–26342017–26322016–26172019–26——42021–2442021–2442021–2462021–26
Svenska Handelsbanken
eu_large
77.5 BAA-· DFMS506 SHB-A.ST124—10.5eba, EBA TE, esef, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2462020–2562020–2542022–25302018–26
Nationwide
uk_bs
77.0 BA+· DFMS——429.5EBA TE, esef, pillar3252016–26252016–26252016–26252016–26132023–26132023–26132023–2682018–2062021–2662021–2662021–26142018–26
DNB
eu_large
76.9 BAA-· DMS507 DNB.OL—4—10.5eba, EBA TE, esef, fundamentals272015–26272015–26272015–26262016–2652025–2652025–2652025–26172018–2462020–2562020–2562020–25262018–26
Citibank
us
76.8 BAA-· DFMS———299.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
Westpac
aus
76.6 BAA-· DFMS514 WBC.AX7411.7fundamentals, pillar382024–2682024–2682024–2682024–2682024–2682024–26——42021–2442021–24—62021–26
GS Bank USA
us
76.5 BA+· FMS————9.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
LBBW
eu_large
76.4 BAA-· DFM——4—10.2eba, EBA TE302015–26302015–26302015–26282016–2642025–2642025–2642025–26202018–24———202018–24
CIBC
can
76.0 BA+· DFKMS509 CM.TO—4212.5esef, fundamentals, pillar3112024–26112024–26112024–26112024–26————52021–2552021–25—92021–26
ANZ
aus
75.8 BAA-· DFMS514 ANZ.AX7621.2esef, fundamentals, pillar362025–2662025–2662025–2662025–2662025–2662025–26——52021–2552021–2552021–2572021–26
Erste Group
eu_large
75.8 BA+· DFMS513 EBS.VI——210.2eba, EBA TE, esef, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2472019–2572019–2572019–25302018–26
Co-operative Bank
uk_mid
75.6 BA· FM————11.0pillar3132014–25122019–25132014–25132014–25112020–2572022–25112020–25—————
NatWest Markets
uk_large
75.5 BA+· DFJMS—6414.5esef, pillar3182021–26182021–26182021–26162022–26182021–26102022–26182021–26—62020–2562020–2542020–2562020–25
Nordea
eu_large
75.4 BAA-· DFMS506 NDA-FI.HE—467.7eba, EBA TE, esef, fundamentals292018–26292018–26292018–26292018–2652025–2652025–2652025–26242018–2452021–2552021–2552021–25312018–26
National Bank of Canada
can
75.3 BA+· DFMS509 NA.TO—4—4.5esef, fundamentals, pillar3192022–26192022–26192022–26192022–26————42022–2542022–25—82022–26
Wells Fargo Bank
us
75.3 BAA-· DFMS———39.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
Starling
uk_small
74.9 BBBB· M———14.0pillar352022–2652022–2652022–2652022–2652022–2652022–2652022–26—————
HSBC Holdings
uk_large
74.8 BA+· DFS512 HSBA.L2541110.5EBA TE, esef, fundamentals, pillar3262015–26262015–26262015–26242016–26122023–26122023–26122023–2682018–2072019–2562020–2572019–25182018–26
Lloyds Bank Corporate Markets
uk_large
74.8 BA+· FMS——3—4.5esef, pillar3102021–26102021–26102021–26162021–26112022–2682022–26102021–26—62020–2562020–2562020–2562020–25
BNY (bank)
us
74.6 BAA· DFMS————9.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
SMBC Bank International
uk_mid
74.6 BA· FMS————4.8pillar3172021–25172021–25172021–25172021–25172021–25172021–25172021–25—————
Principality BS
uk_bs
74.4 BBBB+· FM——1—5.0pillar372020–2572020–2572020–2562021–2572020–2552022–25——————
Danske Bank
eu_large
74.1 BA+· DFMScS504 DANSKE.CO104110.5eba, EBA TE, esef, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2452021–2552021–2552021–25312018–26
ABN AMRO
eu_large
74.0 BA+· DFMS517 ABN.AS—4227.5eba, EBA TE, esef, fundamentals282018–26282018–26282018–26282018–2642025–2642025–2642025–26242018–2462020–2562020–2562020–25302018–26
SEB
eu_large
74.0 BAA-· DFMS506 SEB-A.ST—4—10.5eba, EBA TE, esef, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2462020–2562020–2562020–25312018–26
CaixaBank
eu_large
73.8 BA+· DFMS517 CABK.MC—438.5eba, EBA TE, esef, fundamentals312017–26312017–26312017–26312017–2652025–2652025–2652025–26242018–2482018–2582018–2582018–25302018–26
HSBC Bank
uk_large
73.8 BA+· FMS—71241.2esef, pillar362025–2662025–2662025–2662025–2662025–2662025–2662025–26—62020–2562020–2562020–2562020–25
BNY
us
73.7 BAA-· DFMS507 BNY1—66.0edgar, pillar372019–2572019–2572019–2572019–2562024–26———142012–25142012–25132012–25142012–25
MUFG
asia
73.7 BA· FJMS494 8306.T—492.2fundamentals, pillar3102024–26102024–26102024–26—————42023–2642023–26—82023–26
Nykredit
eu_large
73.2 BA+· FMS———210.5eba, EBA TE, esef352015–26352015–26352015–26332016–2652025–2632025–2552025–26242018–2422023–2422023–24—252018–24
Barclays Bank UK
uk_large
72.9 BA+· FMS——1—7.0esef, pillar3212019–26212019–26212019–26212019–26212019–26122022–26122022–26—22020–2122020–2122020–2122020–21
Raiffeisen Bank International
eu_large
72.9 BA· MS513 RBI.VI—458.8eba, EBA TE, esef, fundamentals312017–26312017–26312017–26312017–2642025–2642025–2642025–26242018–2452021–2552021–2542022–25302018–26
HSBC UK
uk_large
72.5 BA+· DFMS——251.2esef, pillar362025–2662025–2662025–2662025–2662025–2662025–2662025–26—62020–2562020–2562020–2562020–25
ICICI Bank UK
uk_small
72.5 BBBB+· M————3.0pillar342023–2642023–2642023–2642023–2642023–2642023–2632024–26—————
Bank of Ireland
eu_large
72.3 BA-· FM515 BIRG.IR—468.2eba, EBA TE, esef, fundamentals302017–26302017–26302017–26302017–2642025–2642025–2642025–26242018–2462020–2562020–2552021–25282018–25
Clydesdale Bank
uk_mid
72.3 BA+· S———11.0pillar352024–2552024–2552024–2552024–2552024–2552024–2552024–25—————
AIB
eu_large
72.2 BBBB+· S515 A5G.IR—428.2eba, EBA TE, esef, fundamentals302017–26302017–26302017–26302017–2642025–2642025–2642025–26242018–2452021–2552021–2552021–25272018–25
Banco Santander
eu_large
72.2 BA+· DFJMS517 SAN.MC214—10.5eba, EBA TE, esef, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2472019–2572019–2572019–25302018–26
Bank of America N.A.
us
71.5 BAA-· DFMS————9.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
Goldman Sachs
us
71.3 BA· DFMS507 GS315161.2edgar, fundamentals, pillar362025–2662025–2662025–26302019–2662025–26———142012–25142012–25142012–25182012–26
Lloyds Banking Group
uk_large
71.2 BA+· DFS513 LLOY.L2041210.5EBA TE, esef, fundamentals, pillar3262015–26262015–26262015–26242016–26122023–26122023–26122023–2682018–2072019–2562020–2572019–25192018–26
Scotiabank
can
71.2 BA+· DFMS509 BNS.TO——192.5fundamentals, pillar3112024–26112024–26112024–26112024–26————42022–2542022–25—82022–26
Belfius
eu_large
70.9 BA· DFMS———110.2eba, EBA TE, esef342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2432022–2432022–24—252018–24
ING
eu_large
70.7 BA+· DFS517 INGA.AS154310.2eba, EBA TE, esef, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2462020–2562020–2562020–25302018–26
Santander UK
uk_large
70.6 BA+· FMS——4611.5esef, pillar3442014–26442014–26442014–26342016–26382017–26212021–26222021–26—72019–2562020–25—62020–25
BBVA
eu_large
70.4 BA· DFMS517 BBVA.MC1441010.2eba, EBA TE, esef, fundamentals332015–26332015–26332015–26312016–2642025–2642025–2642025–26242018–2482018–2582018–2572018–24302018–26
SMFG
asia
70.3 BA· FJMS494 8316.T—45—fundamentals, pillar312026120261202612026————42023–2642023–26—82023–26
BPCE
eu_large
70.1 BA+· FMS——440.8eba, esef42025–2642025–2642025–2642025–2642025–2642025–2642025–26—62020–2562020–25—62020–25
Northern Trust
us
70.1 BA+· DFMS507 NTRS—471.0edgar, fundamentals, pillar352025–2652025–2652025–2652025–26102024–26———142012–25142012–25142012–25182012–26
KBC
eu_large
69.8 BA-· DFMS517 KBC.BR—4210.5eba, EBA TE, esef, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2452021–2552021–2552021–25302018–26
Wells Fargo
us
69.8 BA+· DFMS507 WFC104152.2edgar, fundamentals, pillar3102024–26102024–26102024–26102024–26102024–26———142012–25142012–25142012–25182012–26
Northern Trust Co.
us
69.5 BAA-· DFMS————9.7fdic402016–26402016–26402016–26————402016–26402016–26402016–26402016–26402016–26
NatWest Group
uk_large
69.4 BA· DFJMS513 NWG.L1941710.5EBA TE, esef, fundamentals, pillar3332015–26332015–26332015–26312016–26192021–26152021–26192021–2682018–2072019–2562020–2572019–25182018–26
Standard Chartered
uk_large
69.3 BA-· FS513 STAN.L23499.5EBA TE, esef, fundamentals, pillar3382016–26382016–26382016–26382016–26232018–26152022–26212021–2682018–2062020–2562020–2562020–25182018–26
Bank of Scotland
uk_large
68.9 BA+· DFMS—6—14.5esef, pillar3102021–26102021–26102021–26162021–26——102021–26—62020–2562020–2562020–2562020–25
Barclays
uk_large
68.9 BA-· DFMS512 BARC.L314149.2esef, fundamentals, pillar3352017–26352017–26352017–26352017–26352017–26152022–26152022–26—72019–2562020–2572019–25102020–26
UniCredit
eu_large
68.9 BA-· FMS512 UCG.MI1344510.2eba, EBA TE, esef, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2442022–2552021–2552021–25302018–26
Deutsche Bank
eu_large
68.8 BA+· DFJMScS513 DBK.DE2242110.5eba, EBA TE, fundamentals352015–26352015–26352015–26332016–2652025–2652025–2652025–26242018–2442022–2542022–25—302018–26
Bank of America
us
68.7 BA+· DFMS507 BAC174162.7edgar, fundamentals, pillar3122023–26122023–26122023–26122023–26202021–26———142012–25142012–25142012–25182012–26
Credit Agricole CIB
eu_large
68.6 BAA-· FMS——2——esef, pillar31202512025120251202532025–2612025——52021–2552021–25—52021–25
Lloyds Bank
uk_large
68.0 BA+· DFMS—6484.7esef, pillar3202021–26202021–26202021–26202021–26202021–26142023–26202021–26—72019–2562020–2572019–2562020–25
Intesa Sanpaolo
eu_large
67.9 BA-· DFMS512 ISP.MI2343110.2eba, EBA TE, esef, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2442022–2562020–2562020–25302018–26
Sumitomo Mitsui Trust
asia
67.9 BA· JMS494 8309.T—4—2.7fundamentals, pillar3122023–26122023–26122023–26122023–26————42023–2642023–2642023–2682023–26
Commerzbank
eu_large
67.6 BA· MScS513 CBK.DE1563910.2eba, EBA TE, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2442022–2542022–2542022–25302018–26
BNP Paribas Fortis
eu_large
67.3 BA+· FMS——320.8eba, esef42025–2642025–2642025–2642025–2642025–2642025–2642025–26—42021–2442021–24—42021–24
Barclays Bank
uk_large
66.9 BA+· DFKMS—65710.5EBA TE, esef, pillar3302015–26302015–26302015–26242016–26122022–26122022–26122022–2682018–2072019–2562020–2572019–25142018–25
Societe Generale
eu_large
66.8 BA+· CDFMS517 GLE.PA22—410.2eba, EBA TE, esef, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2452021–2552021–2542022–25302018–26
OSB Group
uk_mid
66.4 BBBB· FM513 OSB.L—118.5esef, fundamentals, pillar3212017–26162022–26212017–26192019–26182017–26152022–26162022–26—62020–2562020–2562020–2582020–26
CIC
eu_large
66.3 BAA-· FMS————0.8eba, esef42025–2642025–2642025–2642025–2642025–2642025–2642025–26—52020–2452020–24—52020–24
NatWest Bank
uk_large
65.8 BA+· FJMS—6163.5esef, pillar3132022–26132022–26132022–26132022–26——132022–26—62020–2562020–2562020–2562020–25
Citigroup
us
65.7 BA-· DFMS507 C224140.7edgar, fundamentals, pillar332025–2632025–2632025–2632025–2622024–24———142012–25142012–25132013–25182012–26
Virgin Money UK
uk_mid
65.7 BA-· FMS——1—3.5esef, pillar3152022–25152022–25152022–25152022–25152022–25112023–25152022–25—22022–2322022–23—22022–23
Mizuho
asia
65.4 BA-· FJS494 8411.T—431.0fundamentals, pillar352025–2652025–2652025–2652025–261202612026——42023–2642023–26—82023–26
BNP Paribas
eu_large
64.7 CA+· DFMS517 BNP.PA2741010.5eba, EBA TE, esef, fundamentals342015–26342015–26342015–26322016–2642025–2642025–2642025–26242018–2452021–2552021–2542022–25302018–26
Paragon
uk_mid
64.7 CBBB· FM513 PAG.L——11.0esef, fundamentals, pillar332025–2632025–2632025–2632025–2632025–2632025–2632025–26—52021–2552021–2552021–2582020–26
Aldermore
uk_mid
63.5 CBBB+· M———189.5pillar382016–2682016–2682016–2672016–2672016–2662022–2662022–26—————
Close Brothers
uk_mid
62.8 CBBB· FM513 CBG.L—24—esef, fundamentals, pillar312025120251202512025120251202512025—52021–2552021–2552021–2572021–26
Bendigo and Adelaide Bank
aus
62.4 CA-· FMS514 BEN.AX——1812.5fundamentals, pillar3492013–26532011–26532011–26—372015–26202018–26——42023–2642023–2642023–2662023–26
Metro Bank
uk_mid
49.8 DBB· F513 MTRO.L——57.5esef, fundamentals, pillar3122018–26122018–26122018–26122018–26112018–2682022–26102021–26—62020–2562020–2532022–2572020–25
Vanquis
uk_small
49.5 DBB-· F513 VANQ.L——65.5esef, fundamentals, pillar3102020–26102020–26102020–26102020–26102020–2632022–2382022–26—52021–2552021–2542021–2582021–25
ADCB
gulf
— A+· CFMS0—16—————————————
Al Rajhi Bank
gulf
— A· CFMS510 1120.SR——11—fundamentals————————42022–2542022–2542022–2582022–26
Al Rayan Bank
uk_small
— A· M———1—————————————
BMO
can
— A+· DFMS509 BMO.TO—410—fundamentals————————42022–2542022–25—82022–26
Bank of China UK
uk_small
— unrated—————————————————
Cumberland BS
uk_bs
— unrated————6.0pillar332017–2322022–2322022–2332017–2332017–2332017–2322022–23—————
Darlington BS
uk_bs
— unrated————1.0pillar322022–2322022–2322022–2322022–2322022–2322022–2322022–23—————
Family BS
uk_bs
— unrated————3.0pillar342022–2522022–2322022–2342022–2542022–2522022–2322022–23—————
Furness BS
uk_bs
— unrated————3.0pillar322022–251202222022–251202222022–251202212022—————
Gatehouse Bank
uk_small
— unrated————3.0pillar332021–2432021–2432021–2432021–2432021–241202422023–24—————
Goldman Sachs International Bank
uk_mid
— A+· FMS—————————————————
Hinckley and Rugby BS
uk_bs
— unrated—————————————————
ICBC London
uk_small
— unrated—————————————————
Investec
uk_mid
— A-· M513 INVP.L—41—esef, fundamentals————————62021–2662021–2662021–2672021–26
Leek BS
uk_bs
— unrated—————————————————
Macquarie Bank
aus
— AA-· FM514 MQG.AX9412—esef, fundamentals————————62021–2662021–2662021–2662021–26
Melton BS
uk_bs
— unrated————1.0pillar322022–2322022–2322022–2322022–2322022–2322022–2322022–23—————
Monmouthshire BS
uk_bs
— unrated———1—pillar312023120231202312023120231202312023—————
Monzo
uk_small
— unrated———13—pillar312026120261202612026120261202612026—————
NRW.BANK
eu_large
— AA+· FMS——4—2.5EBA TE62015–1862015–1862015–1842016–18————————
Newcastle BS
uk_bs
— unrated—————esef————————42021–2542021–2542021–2542021–25
Nottingham BS
uk_bs
— unrated————5.5esef, pillar3112020–26112020–26112020–26112020–26102021–2622023–24102021–26—62020–2562020–2562020–2562020–25
Progressive BS
uk_bs
— unrated—————————————————
QIB UK
uk_small
— unrated—————————————————
QNB
gulf
— A+· CFMS503 QNBK.QA————fundamentals————————42022–2542022–2542022–2582022–26
Rentenbank
eu_large
— AAA· FMS——4—3.5EBA TE, pillar372014–1872014–1872014–1842016–18————————
SBI UK
uk_small
— unrated—————————————————
Saffron BS
uk_bs
— unrated—————————————————
Santander Financial Services
uk_mid
— A+· FMS—————————————————
Saudi National Bank
gulf
— A· FMS510 1180.SR——7—fundamentals————————42022–2542022–2542022–2582022–26
Secure Trust Bank
uk_small
— unrated513 STB.L——12.0esef, fundamentals, pillar352023–2552023–2552023–2552023–2552023–25—52023–25—62020–2562020–2562020–2582019–26
Shawbrook
uk_mid
— unrated———68.5pillar3112017–26112017–26112017–26102018–26102018–2672018–2672021–26—————
Suffolk BS
uk_bs
— unrated—————pillar31202512025——————————
West Brom BS
uk_bs
— unrated————4.5esef, pillar392021–2592021–2582022–2582022–2592021–2532023–2482022–25—62021–2662021–2662021–2662021–26
Ratio cells: periods held, then the first and last year. Shading: light under 4 periods, mid under 12, dark 12 and over. Rating letters are the agencies holding a long-term issuer rating (F Fitch, S S&P, M Moody's, D DBRS, K KBRA, Sc Scope, J JCR). Click a column heading to sort.

What ran, when, and what needs a look. Auto-publish with spot checks.

Pipeline runs

Today's collection started 13:35 and finished 13:37 UTC, 8h 35m after the 05:00 target. The morning kick is what makes it punctual; when it does not fire, the day waits for GitHub's own scheduler.
SourceStatusRowsFinished (UTC)Message
bondsok108102026-09-14 15:43
dtccok02026-09-14 13:41
ebaok18692026-09-07 13:17
edgarok11452026-09-07 18:01
esefok19222026-09-07 17:38
esmaok11362026-09-14 13:37
eventsok150312026-09-14 13:41
fdicok54002026-09-06 21:42
fredskipped02026-09-14 13:41no FRED_API_KEY: the ICE BofA spread indices are not collected. The keyless CSV endpoint does not answer a hosted runner; a free key at fred.stlouisfed.org/docs/api/api_key.html turns this on.
fundamentalsok22262026-09-07 18:01
iceok712026-09-14 13:41
nsm_releaseok352026-09-07 22:24
pillar3ok32026-09-14 13:38
sovereignok992026-09-14 13:37
teok111532026-09-07 17:35
yahoook14812026-09-14 13:37

Coverage

141 of 152 entities have regulatory figures; 118 have enough for a score; 130 have ratings.

No regulatory figures yet:Leek BS, Hinckley and Rugby BS, Saffron BS, Progressive BS, Al Rayan Bank, SBI UK, Bank of China UK, ICBC London, QIB UK, ADCB, Santander Financial Services

Older than 150 days:Virgin Money UK, Clydesdale Bank, Co-operative Bank, Close Brothers, Paragon, Investec, Monzo, Starling, Handelsbanken plc, Coventry BS, Principality BS, West Brom BS, Newcastle BS, Cumberland BS, Darlington BS, Monmouthshire BS, Suffolk BS, Furness BS, Family BS, Melton BS, Gatehouse Bank, ICICI Bank UK, Helaba, LBBW, BayernLB, DZ Bank, BPCE, Credit Mutuel, La Banque Postale, Belfius, Bank of Ireland, AIB, Macquarie Bank, Standard Chartered HK, BNP Paribas Fortis, Credit Agricole CIB, CIC, Rentenbank, NORD/LB, NRW.BANK, BNG Bank, NWB Bank, NBK International, SMBC Bank International

Source health

Every entity's Pillar 3 source, checked against what it has actually delivered. "Overdue" means the source worked once and its newest capital figure is now more than 300 days old; "never collected" means a locator exists and has never yielded a document.

120 collecting10 overdue16 never collected2 no source4 not published

Never collected:ADCB, Al Rayan Bank, Bank of China UK, BMO, Hinckley and Rugby BS, ICBC London, Investec, JPMorgan Chase, Leek BS, Macquarie Bank, Newcastle BS, Progressive BS, QIB UK, QNB, Saffron BS, SBI UK

Overdue:Close Brothers410d, Credit Agricole CIB441d, Cumberland BS1263d, Darlington BS988d, Gatehouse Bank622d, Melton BS988d, Monmouthshire BS1233d, OP Corporate Bank349d, Virgin Money UK349d, West Brom BS349d

No source:Al Rajhi Bank, Saudi National Bank

Pillar 3 documents

loaded701unverified242no_km1232error11review5

Figures marked unverified passed the template checks with warnings. Items in the review queue are resolved on the maintainer's machine by the local review skill (no AI service is called from the pipeline).

Review queue (48)

  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • anz · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bendigo-and-adelaide-bank · date unknown · p.? · no KM1 template found
  • bank-of-scotland · date unknown · p.? · no KM1 template found
  • bank-of-scotland · date unknown · p.? · no KM1 template found
  • lloyds-bank-corporate-markets · date unknown · p.? · no KM1 template found
  • lloyds-bank-corporate-markets · date unknown · p.? · no KM1 template found
  • state-street · 2022-06-30 · p.7 · error:no CET1 ratio found
  • state-street · 2022-03-31 · p.7 · error:no CET1 ratio found
  • state-street · 2021-12-31 · p.7 · error:no CET1 ratio found

Latest collected

EntityOutcomeReferenceConfidenceDocumentFetched
State Streetreview2021-12-310.00P3-Capital-December-31-2021.pdf2026-09-14
State Streetreview2022-03-310.00P3-Capital-March-31-2022.pdf2026-09-14
State Streetreview2022-06-300.00P3-Capital-June-30-2022.pdf2026-09-14
First Abu Dhabi Bankloaded2021-12-310.95pillar-3-report-en.pdf?view=12026-09-14
Lloyds Bank Corporate Marketsloaded2022-12-310.952022-lbcm-fy-pillar-3.pdf2026-09-14
Lloyds Bank Corporate Marketsno_km1—0.002022-lbcm-q3-pillar-3.pdf2026-09-14
Lloyds Bank Corporate Marketsno_km1—0.002023-lbcm-q1-pillar-3.pdf2026-09-14
Bank of Scotlandloaded2022-12-310.952022-bos-fy-pillar3.pdf2026-09-14
Bank of Scotlandno_km1—0.002022-bos-q3-pillar-3.pdf2026-09-14
Bank of Scotlandno_km1—0.002023-bos-q1-pillar-3.pdf2026-09-14
Lloyds Bankloaded2022-09-300.952022-lb-q3-pillar-3.pdf2026-09-14
Lloyds Bankloaded2022-12-310.952022-lb-fy-pillar3.pdf2026-09-14
Lloyds Bankloaded2023-03-310.952023-lb-q1-pillar-3.pdf2026-09-14
Lloyds Banking Groupunverified2023-12-310.872023-lbg-fy-pillar-3.pdf2026-09-14
Lloyds Banking Groupno_km1—0.002024-lbg-hy-pillar-3-capital-instruments.pdf2026-09-14
Lloyds Banking Groupunverified2024-03-310.872024-lbg-q1-pillar-3.pdf2026-09-14
Bank of Americaloaded2022-12-310.9223.+4Q22_Pillar_3_U.S._Liquidity_Coverage_Ratio_Disclosure_FINAL_ADA.p2026-09-14
Bank of Americaloaded2023-06-300.9225.+2Q23+Pillar+3+U.S.+Liquidity+Coverage+Ratio+++Disclosure_Final_ADA2026-09-14
Bank of Americaloaded2023-03-310.9222.+1Q23_Pillar_3_U.S._Liquidity_Coverage_Ratio_Disclosure_FINAL_ADA.p2026-09-14
ANZno_km1—0.00anz-december-2021-pillar-3-chart-pack.pdf2026-09-14
ANZno_km1—0.002021-september-pillar-3-dislosure.pdf2026-09-14
ANZno_km1—0.00G-SIB -Pillar-3-Disclosure-September-2021.pdf2026-09-14
Bendigo and Adelaide Bankno_km1—0.0018-november--basel-iii-pillar-3-disclosures--prudential-standard-aps-32026-09-14
Bendigo and Adelaide Bankno_km1—0.005-december---basel-iii-pillar-3-disclosures-prudential-standard-aps-332026-09-14
Bendigo and Adelaide Bankno_km1—0.0018-june---basel-iii-pillar-3-disclosures-prudential-standard-aps330---2026-09-14
Bank of Americaloaded2024-03-310.921Q24+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_Final_ADA.pdf2026-09-14
Bank of Americaloaded2023-12-310.925_4Q23+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_ADA.pdf2026-09-14
Bank of Americaloaded2023-09-300.926_3Q23+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_ADA.pdf2026-09-14
Bank of Americaloaded2024-03-310.921Q'24+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-14
Bank of Americaloaded2023-12-310.923_4Q'23+Basel+3+Advanced+Pillar+3+Disclosure+-+Final_ADA.pdf2026-09-14
Bank of Americaloaded2023-09-300.921_3Q'23+Basel+3+Advanced+Pillar+3+Disclosure+-+Final+ADA.pdf2026-09-14
ANZno_km1—0.002022-june-pillar-3-disclosure.pdf2026-09-14
ANZno_km1—0.002022-march-pillar-3-disclosure.pdf2026-09-14
ANZno_km1—0.002021-december-pillar-3-disclosure.pdf2026-09-14
Bendigo and Adelaide Bankno_km1—0.0020-november---basel-iii-pillar-3-disclosures-prudential-standard-aps332026-09-14
Bendigo and Adelaide Bankno_km1—0.0011-november--basel-iii-pillar-3-annual-remuneration-disclosures-as-at-2026-09-14
Bendigo and Adelaide Bankno_km1—0.005-december---basel-iii-pillar-3-annual-remuneration-disclosures-as-at-2026-09-14
Bank of Americaloaded2024-12-310.924Q24+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure+Final_ADA.pdf2026-09-14
Bank of Americaloaded2024-09-300.923Q24+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_ADA.pdf2026-09-14
Bank of Americaloaded2024-06-300.922Q24+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_Final_ADA.pdf2026-09-14
Bank of Americaloaded2024-12-310.924Q'24+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-14
Bank of Americaloaded2024-09-300.923Q'24+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-14
Bank of Americaloaded2024-06-300.922Q'24+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-14
ANZno_km1—0.00anz-december-2022-pillar-3-chart-pack.pdf2026-09-14
ANZno_km1—0.002022-september-pillar-3-disclosure.pdf2026-09-14
ANZno_km1—0.00G-SIB-Pillar-3-Disclosure-September-2022.pdf2026-09-14
Bendigo and Adelaide Bankno_km1—0.009-december--basel-iii-pillar-3-disclosures--prudential-standard-aps-332026-09-14
Bendigo and Adelaide Bankno_km1—0.003-december--basel-iii-pillar-3-disclosures-prudential-standard-aps-3302026-09-14
Bendigo and Adelaide Bankno_km1—0.00basel-iii-pillar-3-annual-remuneration-disclosures-as-at-30-june-2021.2026-09-14
Bank of Americaloaded2025-06-300.922Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_ADA.pdf2026-09-13
Bank of Americaloaded2025-03-310.921Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosurev2_ADA.pdf2026-09-13
Bank of Americaloaded2025-03-310.921Q'25+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-13
Bank of Americaloaded2025-09-300.923Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+++Disclosure_Final_ADA.pdf2026-09-13
Bank of Americaloaded2025-09-300.923Q'25+Basel+Advanced+Pillar+3+Disclosure+Final+ADA.pdf2026-09-13
Bank of Americaloaded2025-06-300.922Q'25+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-13
ANZno_km1—0.002023-June-Pillar3-chart-pack.pdf2026-09-13
ANZno_km1—0.002023-march-pillar-3-disclosure.pdf2026-09-13
ANZno_km1—0.002022-december-pillar-3-disclosure.pdf2026-09-13
Bendigo and Adelaide Bankno_km1—0.00basel-iii-pillar-3-annual-remuneration-disclosure-as-at-30-june-2023.p2026-09-13
Bendigo and Adelaide Bankno_km1—0.0022-june---basel-iii-pillar-3-disclosures-prudential-standard-aps-330--2026-09-13
Bendigo and Adelaide Bankno_km1—0.00basel-iii-pillar-3-annual-remuneration-disclosure-as-at-30-june-2022.p2026-09-13
Bank of Americaloaded2026-06-300.922Q26+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure+-+++Final_ADA.p2026-09-12
Bank of Americaloaded2026-03-310.921Q26+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure+-+Final_ADA.pdf2026-09-12
Bank of Americaunverified2025-12-310.844Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure+_+++Final_ADA.p2026-09-12
Bank of Americaloaded2026-06-300.922Q'26+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-12
Bank of Americaloaded2026-03-310.921Q'26+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-12
Bank of Americaloaded2025-12-310.924Q25+Basel+3+Advanced+Pillar+3+Disclosure+-+Final+ADA.pdf2026-09-12
ANZno_km1—0.002023-september-pillar-3-disclosure.pdf2026-09-12
ANZno_km1—0.00G-SIB-Pillar-3-Disclosure-September-2023.pdf2026-09-12
ANZno_km1—0.002023-June-pillar-3-disclosure.pdf2026-09-12
Bendigo and Adelaide Bankno_km1—0.004-december--basel-iii-pillar-3-disclosures-prudential-standard-aps-3302026-09-12
Bendigo and Adelaide Bankno_km1—0.0024-november--basel-iii-pillar-3-disclosures-prudential-standard-aps-332026-09-12
Bendigo and Adelaide Bankno_km1—0.00basel-iii-pillar-3-annual-remuneration-disclosure-as-at-30-june-2024.p2026-09-12
Bank of Americaloaded2025-06-300.922Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosure_ADA.pdf2026-09-11
Bank of Americaloaded2025-03-310.921Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+Disclosurev2_ADA.pdf2026-09-11
Bank of Americaloaded2025-09-300.923Q'25+Basel+Advanced+Pillar+3+Disclosure+Final+ADA.pdf2026-09-11
Bank of Americaloaded2025-06-300.922Q'25+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-11
Bank of Americaloaded2025-03-310.921Q'25+Basel+3+Advanced+Pillar+3+Disclosure+Final_ADA.pdf2026-09-11
Bank of Americaloaded2025-09-300.923Q25+Pillar+3+U.S.+Liquidity+Coverage+Ratio+++Disclosure_Final_ADA.pdf2026-09-11
Emirates NBDunverified2022-03-310.87pillar_iii_disclosure_2022_quarter.pdf2026-09-11

What the review taught the extractor

Every answer from the review queue is compared with what the rules read from the same page, and becomes a hint for that bank's next document: the page, the currency, whether the table carries row numbers, filenames that never hold a KM1 table, and the last verified figures for a continuity check. No AI service is involved; the loop is the reviewer's answers and the rules.

Answers recorded215 (17 skipped)
Rules agreed with the reviewer77% of 465 values
Right page, right date60 / 88 of 198
Banks with hints77 (76 with a verified baseline, 15 skip patterns)

Where the rules disagree

MetricCasesExamples
cet1_capital21starling: rules 397502.0 vs reviewer 397.502; santander-uk: rules 10600.0 vs reviewer 10575.0; santander-uk: rules 10400.0 vs reviewer 10438.0
tier1_capital18starling: rules 397502.0 vs reviewer 397.502; santander-uk: rules 13056000.0 vs reviewer 13056.0; santander-uk: rules 13083000.0 vs reviewer 13083.0
tier1_ratio18state-street: rules 9.5 vs reviewer 13.1; state-street: rules 9.5 vs reviewer 13.2; standard-chartered: rules 0.01 vs reviewer 16.3
cet1_ratio13co-operative-bank: rules 2020.0 vs reviewer 19.2; standard-chartered: rules 0.01 vs reviewer 13.8; bendigo-and-adelaide-bank: rules 0.02 vs reviewer 9.68
total_capital8starling: rules 397502.0 vs reviewer 397.502; santander-uk: rules 15514000.0 vs reviewer 15514.0; santander-uk: rules 15778000.0 vs reviewer 15778.0
rwa7leeds-bs: rules 2021.0 vs reviewer 3231.2; starling: rules 994828.0 vs reviewer 994.828; santander-uk: rules 72718000.0 vs reviewer 72718.0
total_capital_ratio6state-street: rules 11.5 vs reviewer 16.1; state-street: rules 11.5 vs reviewer 14.5; state-street: rules 11.5 vs reviewer 14.5
lcr5commonwealth-bank: rules 113.0 vs reviewer 132.0; citigroup: rules 117.0 vs reviewer 116.7; bendigo-and-adelaide-bank: rules 143.4 vs reviewer 143.0
leverage_ratio4leeds-bs: rules 5.4 vs reviewer 6.1; commonwealth-bank: rules 125.0 vs reviewer 4.6; skipton-bs: rules 5.7 vs reviewer 6.5
leverage_exposure4starling: rules 5063481.0 vs reviewer 5063.481; barclays: rules 1142520.0 vs reviewer 998556.0; santander-uk: rules 303000.0 vs reviewer 301800.0
nsfr2commonwealth-bank: rules 114.0 vs reviewer 115.0; bendigo-and-adelaide-bank: rules 76634.9 vs reviewer 117.7

Why items were queued

  • 110 · no KM1 template found
  • 18 · error:no CET1 ratio found
  • 16 · warn:rows identified by label only (no row numbers in the ta
  • 14 · warn:column headers split month and year across lines
  • 11 · error:missing core row rwa
  • 4 · info:total_capital_ratio derived from total_capital over RWA
  • 3 · warn:reference date taken from narrative text, not a column
  • 3 · annual report, not a Pillar 3 disclosure: read the capital r

Data audit

What is held for every entity: regulatory history measured on the CET1 ratio (periods, first and last reference date, span in years, sources), rating agencies, daily prices, CDS settlement days and reference bonds. A dash means none; prices show 0 for a listed name whose feed has failed.

RegionEntitiesWith figuresMedian periodsLongest spanRatedPricedCDSBonds
asia1010126.710817
aus_can12101112.7121259
eu43433410.543231434
gulf6205.56403
uk6249611.540121124
us_ch1918309.7191089

By entity

EntityRegionPeriodsFirstLastYearsSourcesAgenciesPrice daysCDS daysBonds
Bendigo and Adelaide Bankaus_can492013-12-312026-06-3012.5fundamentals, pillar33514——
Santander UKuk442014-12-312026-06-3011.5esef, pillar33——4
NABaus_can422013-09-302026-06-3012.7esef, fundamentals, pillar3451475
BNY (bank)us_ch402016-09-302026-06-309.7fdic4———
Bank of America N.A.us_ch402016-09-302026-06-309.7fdic4———
Citibankus_ch402016-09-302026-06-309.7fdic4———
GS Bank USAus_ch402016-09-302026-06-309.7fdic3———
JPMorgan Chase Bankus_ch402016-09-302026-06-309.7fdic4———
Morgan Stanley Bankus_ch402016-09-302026-06-309.7fdic3———
Northern Trust Co.us_ch402016-09-302026-06-309.7fdic4———
State Street Bankus_ch402016-09-302026-06-309.7fdic4———
Wells Fargo Bankus_ch402016-09-302026-06-309.7fdic4———
Standard Chartereduk382016-12-312026-06-309.5eba_te, esef, fundamentals, pillar32513234
Banco Santandereu352015-12-312026-06-3010.5eba, eba_te, esef, fundamentals5517214
Barclaysuk352017-03-312026-06-309.2esef, fundamentals, pillar34512314
Danske Bankeu352015-12-312026-06-3010.5eba, eba_te, esef, fundamentals5504104
Deutsche Bankeu352015-12-312026-06-3010.5eba, eba_te, fundamentals6513224
KBCeu352015-12-312026-06-3010.5eba, eba_te, esef, fundamentals4517—4
Nykrediteu352015-12-312026-06-3010.5eba, eba_te, esef3———
OP Financial Groupeu352015-12-312026-06-3010.5eba, eba_te, esef2———
SEBeu352015-12-312026-06-3010.5eba, eba_te, esef, fundamentals4506—4
Svenska Handelsbankeneu352015-12-312026-06-3010.5eba, eba_te, esef, fundamentals4506124
Swedbankeu352015-12-312026-06-3010.5eba, eba_te, esef, fundamentals4506124
BNP Paribaseu342015-12-312026-06-3010.5eba, eba_te, esef, fundamentals4517274
BayernLBeu342015-12-312026-03-3110.2eba, eba_te2——4
Belfiuseu342015-12-312026-03-3110.2eba, eba_te, esef4———
Commerzbankeu342015-12-312026-03-3110.2eba, eba_te, fundamentals3513156
DZ Bankeu342015-12-312026-03-3110.2eba, eba_te4——5
Erste Groupeu342015-12-312026-03-3110.2eba, eba_te, esef, fundamentals4513——
Helabaeu342015-12-312026-03-3110.2eba, eba_te2——4
INGeu342015-12-312026-03-3110.2eba, eba_te, esef, fundamentals3517154
Intesa Sanpaoloeu342015-12-312026-03-3110.2eba, eba_te, esef, fundamentals4512234
La Banque Postaleeu342015-12-312026-03-3110.2eba, eba_te, esef3———
NORD/LBeu342015-12-312026-03-3110.2eba, eba_te3——5
Societe Generaleeu342015-12-312026-03-3110.2eba, eba_te, esef, fundamentals551722—
UniCrediteu342015-12-312026-03-3110.2eba, eba_te, esef, fundamentals3512134
BBVAeu332015-12-312026-03-3110.2eba, eba_te, esef, fundamentals4517144
NatWest Groupuk332015-12-312026-06-3010.5eba_te, esef, fundamentals, pillar35513194
Credit Mutueleu322015-12-312025-12-3110.0eba, eba_te2———
CaixaBankeu312017-12-312026-06-308.5eba, eba_te, esef, fundamentals4517—4
Raiffeisen Bank Internationaleu312017-06-302026-03-318.8eba, eba_te, esef, fundamentals2513—4
AIBeu302017-12-312026-03-318.2eba, eba_te, esef, fundamentals1515—4
Bank of Irelandeu302017-12-312026-03-318.2eba, eba_te, esef, fundamentals2515—4
Barclays Bankuk302015-12-312026-06-3010.5eba_te, esef, pillar35—65
LBBWeu302015-12-312026-03-3110.2eba, eba_te3——4
Morgan Stanleyus_ch302019-03-312026-06-307.2edgar, fundamentals, pillar34507234
Nordeaeu292018-09-302026-06-307.7eba, eba_te, esef, fundamentals4506—4
ABN AMROeu282018-09-302026-03-317.5eba, eba_te, esef, fundamentals4517—4
OCBCasia282019-09-302026-06-306.7fundamentals, pillar33511—1
DNBeu272015-12-312026-06-3010.5eba, eba_te, esef, fundamentals3507—4
HSBC Holdingsuk262015-12-312026-06-3010.5eba_te, esef, fundamentals, pillar33512254
HSBC Hong Kongasia262019-09-302026-06-306.7esef, pillar33———
Lloyds Banking Groupuk262015-12-312026-06-3010.5eba_te, esef, fundamentals, pillar33513204
Nationwideuk252016-12-312026-06-309.5eba_te, esef, pillar34——4
First Abu Dhabi Bankgulf242020-12-312026-06-305.5pillar330—4
BOCHKasia232020-09-302026-03-315.5fundamentals, pillar33497——
Rabobankeu232015-12-312026-06-3010.5eba, eba_te, esef4—15—
Standard Chartered HKasia232020-09-302026-03-315.5pillar32———
Skipton BSuk222018-12-312026-06-307.5esef, pillar32——3
Barclays Bank UKuk212019-06-302026-06-307.0esef, pillar33——1
OSB Groupuk212017-12-312026-06-308.5esef, fundamentals, pillar32513—1
Lloyds Bankuk202021-09-302026-06-304.7esef, pillar34—64
NWB Bankeu202015-12-312025-12-3110.0eba, eba_te2——5
BNG Bankeu192015-12-312025-12-3110.0eba, eba_te, esef3——4
Coventry BSuk192020-12-042026-03-315.3esef, pillar32——4
Emirates NBDgulf192021-12-312026-06-304.5fundamentals, pillar32419—3
National Bank of Canadaaus_can192022-01-312026-07-314.5esef, fundamentals, pillar34509—4
NatWest Marketsuk182021-12-312026-06-304.5esef, pillar35—64
Leeds BSuk172019-12-312026-06-306.5esef, pillar32———
SMBC Bank Internationaluk172021-03-312025-12-314.8pillar33———
State Streetus_ch152022-12-312026-06-303.5edgar, fundamentals, pillar33507—4
Virgin Money UKuk152022-03-312025-09-303.5esef, pillar33——1
Co-operative Bankuk132014-12-312025-12-3111.0pillar32———
NatWest Bankuk132022-12-312026-06-303.5esef, pillar34—61
Bank of Americaus_ch122023-09-302026-06-302.7edgar, fundamentals, pillar34507174
Metro Bankuk122018-12-312026-06-307.5esef, fundamentals, pillar31513——
Sumitomo Mitsui Trustasia122023-09-302026-06-302.7fundamentals, pillar33494—4
CIBCaus_can112024-01-312026-07-312.5esef, fundamentals, pillar35509—4
Nottingham BSuk112020-12-312026-06-305.5esef, pillar3————
RBCaus_can112024-01-312026-07-312.5esef, fundamentals, pillar35509—4
Scotiabankaus_can112024-01-312026-07-312.5fundamentals, pillar34509——
Shawbrookuk112017-12-312026-06-308.5pillar3————
UOBasia112023-09-302026-03-312.5fundamentals, pillar33511—4
Yorkshire BSuk112023-12-312026-06-302.5esef, pillar32——4
Bank of Scotlanduk102021-12-312026-06-304.5esef, pillar34—6—
Lloyds Bank Corporate Marketsuk102021-12-312026-06-304.5esef, pillar33——3
MUFGasia102024-03-312026-06-302.2fundamentals, pillar34494—4
Vanquisuk102020-12-312026-06-305.5esef, fundamentals, pillar31513——
Wells Fargous_ch102024-03-312026-06-302.2edgar, fundamentals, pillar34507104
Commonwealth Bankaus_can92024-06-302026-06-302.0fundamentals, pillar3451484
West Brom BSuk92021-03-312025-09-304.5esef, pillar3————
Aldermoreuk82016-12-312026-06-309.5pillar31———
Westpacaus_can82024-09-302026-06-301.7fundamentals, pillar3451474
BNYus_ch72019-12-312025-12-316.0edgar, pillar345071—
OP Corporate Bankeu72024-03-312025-09-301.5nsm_release2——4
Principality BSuk72020-12-312025-12-315.0pillar32——1
Rentenbankeu72014-12-312018-06-303.5eba_te, pillar33——4
ANZaus_can62025-03-312026-06-301.2esef, fundamentals, pillar3451476
Goldman Sachsus_ch62025-03-312026-06-301.2edgar, fundamentals, pillar34507315
HSBC Bankuk62025-03-312026-06-301.2esef, pillar33—71
HSBC UKuk62025-03-312026-06-301.2esef, pillar34——2
NRW.BANKeu62015-12-312018-06-302.5eba_te3——4
Clydesdale Bankuk52024-12-312025-12-311.0pillar31———
DBSasia52025-06-302026-06-301.0fundamentals, pillar3351173
Handelsbanken plcuk52022-12-312025-12-313.0pillar32———
Mizuhoasia52025-06-302026-06-301.0fundamentals, pillar33494—4
Northern Trustus_ch52025-03-312026-03-311.0edgar, fundamentals, pillar34507—4
Secure Trust Bankuk52023-12-312025-12-312.0esef, fundamentals, pillar3—513——
Starlinguk52022-03-312026-03-314.0pillar31———
TD Bankaus_can52025-04-302026-07-311.3fundamentals, pillar35509——
UBSus_ch52025-06-302026-06-301.0fundamentals, pillar33506185
BNP Paribas Fortiseu42025-06-302026-03-310.8eba, esef3——3
BPCEeu42025-06-302026-03-310.8eba, esef3——4
CICeu42025-06-302026-03-310.8eba, esef3———
Family BSuk42022-12-312025-12-313.0pillar3————
ICICI Bank UKuk42023-03-312026-03-313.0pillar31———
TSBuk42022-12-312025-12-313.0pillar31——4
Citigroupus_ch32025-09-302026-06-300.7edgar, fundamentals, pillar34507224
Cumberland BSuk32017-03-312023-03-316.0pillar3————
Gatehouse Bankuk32021-12-312024-12-313.0pillar3————
Paragonuk32025-03-312026-03-311.0esef, fundamentals, pillar32513——
Darlington BSuk22022-12-312023-12-311.0pillar3————
Furness BSuk22022-12-312025-12-313.0pillar3————
Melton BSuk22022-12-312023-12-311.0pillar3————
NBK Internationaluk22024-12-312025-12-311.0pillar32———
Close Brothersuk12025-07-312025-07-31—esef, fundamentals, pillar32513—2
Credit Agricoleeu12026-03-312026-03-31—eba, esef, fundamentals4517224
Credit Agricole CIBeu12025-06-302025-06-30—esef, pillar33——2
Monmouthshire BSuk12023-04-302023-04-30—pillar3————
Monzouk12026-03-312026-03-31—pillar3————
SMFGasia12026-03-312026-03-31—fundamentals, pillar34494—4
Suffolk BSuk12025-11-302025-11-30—pillar3————
ADCBgulf————40—1
Al Rajhi Bankgulf————fundamentals4510——
Al Rayan Bankuk————1———
BMOaus_can————fundamentals4509—4
Bank of China UKuk————————
Goldman Sachs International Bankuk————3———
Hinckley and Rugby BSuk————————
ICBC Londonuk————————
Investecuk————esef, fundamentals1513—4
JPMorgan Chaseus_ch————edgar, fundamentals4507154
Leek BSuk————————
Macquarie Bankaus_can————esef, fundamentals251494
Newcastle BSuk————esef————
Progressive BSuk————————
QIB UKuk————————
QNBgulf————fundamentals4503——
SBI UKuk————————
Saffron BSuk————————
Santander Financial Servicesuk————3———
Saudi National Bankgulf————fundamentals3510——