BARK Technologies — The Co-pilot for Modern Banks

The Challenge

Your most critical knowledge has no home

50k+

Pages of EU banking regulation — buried in documents that individual team members have partially internalized over years. No single person holds the full picture.

9 in 10

Banks cite regulatory complexity as a significant cost driver — yet the knowledge needed to manage it is scattered across teams, systems, and individual experience.

63%

Of executives say fragmented data makes compliance harder. Strategic knowledge — why a decision was made, what the trade-offs were — lives in people's heads. When they move on, it disappears.

Sources: EBA Cost of Compliance Study · PwC Global Compliance Survey, 2025

BARK is the connective tissue between regulation, data, and decisions — one platform where all institutional knowledge is linked, traceable, and continuously maintained.

Platform

Three layers of knowledge, one unified platform

Each layer builds on the last. Together they give your team a single source of truth — from the regulation that governs you, through the data that defines you, to the decisions that shape your future.

Regulatory Knowledge

Every rule that governs your institution — CRR, CRD, DORA, EBA guidelines, ECB expectations, Swedish FI requirements — alongside your own internal policies, uploaded and indexed, structured, searchable, and always up to date. Every answer cited to the specific article.

Example Query

regulatory-knowledge-clip.mp4

Institutional Knowledge

Your data from core banking, risk engines, treasury systems, and general ledger — mapped to a unified data model with full lineage. No more manual reconciliation across disconnected source systems.

Data Lineage

institutional-knowledge-clip.mp4

Strategic Knowledge

Decisions grounded in both the regulation and your institution's reality — capital impact simulations, funding optimisation, and reporting — with full traceability from decision back to source.

Impact Simulation

strategic-knowledge-clip.mp4

How It Works

From regulation to strategy — step by step

BARK ingests, structures, and reasons over the full body of EU banking regulation — so your team can focus on decisions, not research.

Regulatory Ingestion

We continuously index CRR/CRD, EBA guidelines, ECB expectations, DORA, and local supervisory requirements into a structured ontology.

Data Connection

Connect your institution's data — regulatory reports, balance sheets, funding positions. All data stays within your environment.

Intelligent Reasoning

BARK combines regulatory knowledge with your financial data to answer questions, run simulations, and surface optimisation opportunities.

Cited, Auditable Output

Every answer includes full citations to specific regulatory articles. Complete audit trail for compliance and supervisory review.

Platform Walkthrough

platform-walkthrough.mp4

Ontology

One data model to connect everything

The regulatory data model is the most complete classification of everything a bank does — every exposure, every position, every risk. BARK turns that structure into the shared language across finance, risk, and treasury: not just for reporting, but for every process that touches the same underlying data.

Regulation → Concept

Every CRR article, EBA guideline, and ITS requirement is decomposed into the specific data concepts it mandates — no interpretation gaps.

Concept → Data Point

Each concept maps to classified data points with full DPM coordinates — metric, dimension, domain — creating an unambiguous definition layer.

Data Point → Insight

Data points flow into regulatory reports, capital simulations, stress tests, and funding decisions — with full lineage from your source systems through computation to the final output, regardless of the use case.

BARK

CET1 moved from 14.2% to 14.0%. The primary driver is an RWA increase of €340M, explaining 93% of the delta — the remaining 7% reflects other balance sheet movements. Here's the lineage:

Delta identified

RWA increased by €340M

Credit risk RWA — IRB portfolio, corporate exposures

Root cause

PD migration on 12 corporate counterparties

Rating downgrade batch processed 2025-03-07 moved exposures from PD band 3 → 5

Source system

Risk Engine

Table IRB_RATING.CORP_PD · batch B-20250307-042

Portfolio

Corporate Lending — IRB Foundation

Portfolio CORP_LENDING_IRB_F · 12 affected counterparties

Contract

Largest exposure: Contract C-2024-08817

Counterparty NordSteel AB · EAD €94M · PD 0.42% → 1.87%

📎 CRR Art. 153 — Risk-weighted exposure amounts for corporate exposures under the IRB approach

About Us

Built by people who've lived the problem

BARK was founded by a team with over three decades of combined experience from senior roles at leading Nordic financial institutions. We've worked across treasury, risk, regulatory affairs, and technology — and we know what it's like to wrestle with regulatory data spread across systems that were never designed to talk to each other. Quality issues, interpretation gaps, governance headaches — all compounding with every new regulation.

So we built BARK — a platform that structures regulatory data from the source, models the impact on your balance sheet, and gives you answers with full traceability. Not another point solution bolted onto a legacy workflow, but a fundamentally new foundation for working with regulation.

The complexity is growing. Your workload doesn't have to.

Wilhelm Jansson Stiernblad

Founder & CEO

Kawi Lam

Co-Founder & CPO

Cut through thousands of pages of regulation to clear strategy in minutes

Your most critical knowledge has no home