Basel SMA Operational-Risk Capital Calculator

Business Indicator → BIC → ILM → ORC → RWA per BIS OPE25, with a jurisdiction toggle for the national-discretion ILM=1 fix that the EU (CRR3) and UK (PRA) each exercise.

⚠ This tool encodes BIS Basel Framework OPE25 (effective 01 Jan 2023, the current consolidated text) per the pinned clause snapshot below. It does not assert specific CRR3/PRA article numbers for the jurisdiction toggle - only the general Basel national-discretion mechanism those regimes use to fix ILM=1.

Basel OPE25 SMA Zero PII Client-Side

Scope & reliance: 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data - use synthetic or anonymised figures only. Rules cited from research/clause-snapshots/BIS-OPE25-oprisk-sma-2026-08-21.excerpt.md (refs O1–O7). Deterministic logic · no inference · zero PII · CC BY 4.0.

Jurisdiction (clause O5)

Jurisdiction toggle

Business Indicator Raw Line Items - 3 Annual Figures (clause O2)

Year	Interest Income	Interest Expense	Interest Earning Assets	Dividend Income	Other Op Income	Other Op Expense	Fee Income	Fee Expense	Net P&L Trading Book	Net P&L Banking Book

Absolute value of net items (e.g. interest income − interest expense) computed year by year first, then averaged over t/t-1/t-2, per O2 footnote.

Annual Operational Risk Losses (clause O4, up to 10 years)

Minimum 5 years to use loss data in the calculation; fewer than 5 years falls back to BIC-only (O5, O6).