CBUAE Regulatory Reporting and SupTech Solution for UAE Banks

Yes. SmartReg is designed to support both established CBUAE Banking Return Forms and newly introduced regulatory reports within a single reporting framework. Existing returns can be provided as preconfigured templates, including their data requirements, business rules, validations and workflow steps. New reports can be configured using SmartReg’s metadata-driven and self-service capabilities rather than requiring an entirely new application or hard-coded development for every return. The platform can therefore support phased regulatory programmes where reporting requirements continue to expand, while maintaining consistent data, controls, approvals and auditability across both existing and new submissions.

SmartReg supports DPM-based reporting by managing regulatory requirements as structured data points rather than only as cells within a report template. Data points can be linked to regulatory definitions, dimensions, source attributes, transformation rules, calculations, validations and report outputs. This enables the same governed data point to be reused across multiple reports and reduces duplication or inconsistent interpretation. SmartReg’s regulatory data model provides the layer between the bank’s source systems and the final return, while its metadata-driven architecture supports versioning, lineage and impact analysis when data definitions, dimensions or reporting requirements change.

Yes. SmartReg supports the generation of XBRL and other machine-readable submission formats as part of the last-mile regulatory reporting process. The platform can map regulatory data points to taxonomy elements, apply the required dimensional structure, generate the submission output and perform validations before the file is transmitted. SmartReg can also integrate with regulator-facing APIs to support secure submission, acknowledgement tracking, rejection handling and resubmission processes. The exact API connection and authentication mechanism would be configured based on the CBUAE’s final technical specifications and the bank’s security and infrastructure standards.

SmartReg provides a configurable validation framework capable of executing both intra-report and cross-report controls. Intra-report validations check the consistency of data within a particular return, including totals, subtotals, ratios, thresholds and conditional requirements. Cross-report validations compare related data points across different reports, reporting domains or submission frequencies. Failed validations are presented through dashboards and exception queues, with drill-down to the affected data and underlying calculation. Rules are version controlled and can be updated as regulatory requirements evolve. Reports can also be prevented from progressing to approval or submission until critical validation failures are resolved or formally accepted.

Yes. SmartReg can operate with an existing regulatory data mart, enterprise data warehouse, data lake or other governed data platform already established by the bank. In this model, SmartReg consumes curated data from the existing data layer and applies regulatory calculations, validations, reconciliations, workflows and report generation. Where required, it can also connect directly to source systems or accept controlled file-based and manual inputs. The integration model is therefore flexible: SmartReg can provide its own regulatory data model or function as the regulatory calculation, control and submission layer on top of the bank’s existing data architecture.

Yes. SmartReg includes an integrated data-profiling and data-quality module that allows the bank to define rules covering completeness, validity, consistency, accuracy, uniqueness, timeliness and other data-quality dimensions. Exceptions can be assigned to relevant data owners, categorised by severity and tracked through remediation workflows. The platform provides dashboards, drill-down and trend analysis so management can distinguish recurring source-data issues from one-off reporting exceptions. Where an upstream correction cannot be completed before the reporting deadline, controlled fallbacks or data corrections can be applied with appropriate justification, approval, lineage and audit evidence.

SmartReg provides a governed framework for passing manual corrections, regulatory adjustments, reclassifications and overrides. Each adjustment can be linked to a specific data point, reporting entity, report, reporting period and stage of the calculation process. Users are required to provide a reason, supporting commentary and evidence, while maker-checker or multilevel approval can be enforced before the adjustment becomes effective. The platform records the original value, revised value, user, timestamp and approval history. Adjustments can also be configured as one-time, recurring, carried forward or reversed, helping prevent outdated corrections from continuing across reporting periods without review.

Yes. SmartReg archives the complete reporting-period execution rather than retaining only the final submitted report. This can include the underlying datasets, applicable data mappings, business rules, taxonomy version, validation results, reconciliations, adjustments, workflow actions, approvals, submission output and regulator acknowledgements. As a result, users can retrieve and reproduce a prior-period submission based on the rules and data that applied at that time, rather than rerunning it using the latest configuration. This supports faster responses to CBUAE queries, internal audit reviews and supervisory meetings while reducing dependency on spreadsheets, emails or individual employees.

Yes. SmartReg includes a configurable workflow engine that supports maker-checker controls and multiple levels of review and approval. Workflows can be configured at the level of data uploads, data-quality exceptions, adjustments, report preparation, validation clearance and final submission. The platform can support different approval paths by report, entity, business function, materiality or exception type. It also records all workflow actions, comments, rejections, resubmissions, delegations and approvals in a complete audit trail. This helps the bank demonstrate segregation of duties and provides management with real-time visibility into reporting status, pending actions and submission readiness.

Yes. SmartReg can be deployed on-premise within the bank’s infrastructure, subject to the bank’s architecture, security and technology standards. This allows regulatory data, calculations, reports and supporting evidence to remain within the bank-controlled environment. SmartReg is also capable of supporting cloud and hybrid deployment models, providing flexibility based on the institution’s data residency, cybersecurity and infrastructure strategy. For an on-premise implementation, Smarbl works with the bank to define sizing, environments, high availability, disaster recovery, integrations, access controls, monitoring, deployment pipelines and support arrangements required for an enterprise-grade regulatory reporting platform.