Banking & Lenders
The Audit-Ready Data Layer for Regulatory Reporting and Credit Risk
Equip your risk, finance, and sustainability teams with a unified dataset for EU Taxonomy, PCAF, and Pillar 3 reporting - sourced strictly from verifiable corporate disclosures.
The Challenge
For years, banks treated ESG data as a "nice-to-have" for marketing. Today, it is a hard requirement for capital adequacy (Pillar 3), credit risk assessment, and mandatory disclosure. The stakes have changed, but the data supply chain hasn't.
Most banks are currently relying on a patchwork of vendor estimates that break down under scrutiny. When a vendor fills data gaps with opaque "proxies" or proprietary algorithms, they introduce invisible risk into your loan book. You cannot accurately calculate a Green Asset Ratio or assess a borrower's transition risk based on a black-box estimate that creates a disconnect between the real economy and your reporting.
Operationally, this creates a reconciliation nightmare. Sustainability teams struggle to trace metrics back to source documents for audits; Credit Risk teams can't backtest models because vendor licenses force data deletion; and IT is blocked from centralizing data into a "Golden Copy" because of restrictive, per-seat licensing. The result is a bank full of data silos, relying on numbers they can neither fully trust nor fully trace.
Why Tracenable
A Data Partner Engineered for the scrutiny of the "Audit Era"
Tracenable replaces "black boxes" with evidence. We deliver transparent sourcing, frictionless licensing, and the raw data primitives banks need to build defensible risk models and compliant reports.
Traceable Taxonomy & Regulatory Data
Eliminate the "proxy risk" in your regulatory reporting. Whether for GAR, BTAR, or Pillar 3, every datapoint acts as a digital twin of the filing - hyperlinked to the exact source page - so your audit trail is always ready.
PCAF-Aligned Emissions Data Construction
Move your portfolio from estimated (Score 4-5) to reported (Score 1-2) quality. We deliver the specific Scope 1, 2, & 3 attributes and physical activity metrics (MWh, production tons) needed to calculate financed emissions with maximum accuracy.
Perpetual Licensing for Model Risk Management
Solve the "expiring data" conflict. We allow you to keep every historical dataset you purchase forever, ensuring you can always reproduce past credit decisions and satisfy Model Risk Management (MRM) backtesting requirements.
Integration-Ready for Data Lakes
Break down internal silos. Our data is licensed for the enterprise, not the user. Feed our flat files or APIs directly into your Snowflake, Azure, or AWS environments to create a single source of truth accessible by Front Office, Risk, and Reporting teams.
Custom Sourcing for Private Borrowers
Close the gap on your commercial loan book. Use our on-demand sourcing to request verified extraction for unlisted or mid-cap borrowers, essential for monitoring Sustainability-Linked Loan (SLL) covenants.
Traceable Taxonomy & Regulatory Data
Eliminate the "proxy risk" in your regulatory reporting. Whether for GAR, BTAR, or Pillar 3, every datapoint acts as a digital twin of the filing - hyperlinked to the exact source page - so your audit trail is always ready.
PCAF-Aligned Emissions Data Construction
Move your portfolio from estimated (Score 4-5) to reported (Score 1-2) quality. We deliver the specific Scope 1, 2, & 3 attributes and physical activity metrics (MWh, production tons) needed to calculate financed emissions with maximum accuracy.
Perpetual Licensing for Model Risk Management
Solve the "expiring data" conflict. We allow you to keep every historical dataset you purchase forever, ensuring you can always reproduce past credit decisions and satisfy Model Risk Management (MRM) backtesting requirements.
Integration-Ready for Data Lakes
Break down internal silos. Our data is licensed for the enterprise, not the user. Feed our flat files or APIs directly into your Snowflake, Azure, or AWS environments to create a single source of truth accessible by Front Office, Risk, and Reporting teams.
Custom Sourcing for Private Borrowers
Close the gap on your commercial loan book. Use our on-demand sourcing to request verified extraction for unlisted or mid-cap borrowers, essential for monitoring Sustainability-Linked Loan (SLL) covenants.
Stop leasing estimates. Start owning your evidence.
See how Tracenable gives your risk and compliance teams complete control over sourcing, licensing,
and usage - without the "black box" risk.