ObligaI
From regulatory text
to obligation register
Prudential regulatory reporting — LCR, NSFR, ALMM
ConfidentialMay 2026
The context
Aggregated templates.
Transactional data.
Regulators require the submission of aggregated regulatory reporting templates — yet each field is grounded in data at the transactional level.
ObligaIConfidential · May 2026
The requirement
Every field.
Every article.
Substantial expertise.
Identifying which fields are required, and the regulatory basis for each, requires substantial subject matter expertise.
ObligaIConfidential · May 2026
The reality
Tedious.
Error-prone.
Scarce.
A manual process — repeated with every regulatory change — dependent on scarce subject matter expertise.
ObligaIConfidential · May 2026
The principle
Automate
what can be
verified.
NSFR Knowledge Graph — Art 428o REQUIRES chain
ObligaIConfidential · May 2026
The proposal
Auditable.
Correctable.
Full control.
A structured proposal — the institution reviews, validates, and retains full control of its reporting process.
Annotation Inspector — full audit trail to source article
ObligaIConfidential · May 2026
The process
01
Ingestion — Regulation PDF and official EBA templates parsed
02
Annotation — Domain expert maps each article to generators and edges. One-time per regulation.
03
Ground Truth — Official template parsed — every reporting cell catalogued
04
Generation — Rule-based engine expands annotations with institution profile
05
Validation — Generated obligations vs ground truth — precision and recall computed
ALMM Knowledge Graph
ObligaIConfidential · May 2026
Key principles
01
Deterministic
Same inputs always produce the same obligations
02
Traceable
Every obligation references its source article
03
Auditable
Every output verifiable against the official EBA template
Executive Summary — LCR 7,360 fields 100% precision 100% recall
04
No ML
Rule-based engine — no probabilistic component, no invented obligations
05
Institution-Specific
Tailored to entity structure, currencies, and regulatory scope
06
Incremental
Regulatory amendments regenerate only the affected obligations
ObligaIConfidential · May 2026
Validation
Every cell.
No field missing.
No field invented.
7,360
LCR · C72.00–C76.00 · validated and tested
4,461
NSFR · C80.00–C84.00 · validated and tested
21,635
ALMM · C66.01–C71.00 · validated and tested
Field Explorer — ALMM obligation register
ObligaIConfidential · May 2026
The conjecture
10 irreducible concepts.
All prudential regulation.
A conjecture — empirically validated against LCR, NSFR, and ALMM. Formal proof across the full prudential corpus is the research objective.
ALMM Executive Summary — generator coverage all regulations
ObligaIConfidential · May 2026
Next steps
LCR. NSFR. ALMM.
Ready to test.
Ready to use.
A fully validated obligation register for each regulation — available for review and testing against the institution's current reporting.
Contact
info@oblig.ai
ObligaIConfidential · May 2026
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