IFRS 9 · Expected Credit Loss
Your ECL, reconciled and auditable — in the browser.
Upload your loan schedules, compute stage-level ECL, and export a deterministic audit trail — no spreadsheets, no guesswork.
Total ECL
KES48.2M
Coverage ratio
%3.4
| From ↓ To → | S1 | S2 | S3 |
|---|---|---|---|
| Stage 1 | 94.2% | 5.1% | 0.7% |
| Stage 2 | 12.4% | 82.3% | 5.3% |
| Stage 3 | 3.1% | 8.6% | 88.3% |
How it works
From file upload to audit trail
in three steps
Upload your loan schedule
Drop in a standard Excel or CSV with your loan book — PD input, LGD assumptions, and EAD exposures. Templates provided.
Engine runs in seconds
The deterministic ECL engine applies IFRS 9 stage classification, applies your PD curves, LGD estimates, and EAD factors — no black boxes.
Export the audit trail
Every run produces an immutable, hashed record with full loan-level decomposition. Share with auditors or regulators instantly.
The Engine
Three modules. One deterministic result.
Each module runs independently and combines into a single auditable ECL figure.
Probability of Default
Cohort-based and individual PD curves with vintage analysis. Supports through-the-cycle and point-in-time adjustments.
- Stage 1/2/3 classification logic
- Significant increase in credit risk (SICR) thresholds
- Forward-looking macro overlay (Phase 2)
- Vintage curve fitting
Loss Given Default
Collateral-aware LGD with recovery waterfall modelling. Handles secured, unsecured, and mixed portfolios.
- Collateral type registry
- Haircut & forced-sale discount tables
- Recovery rate curves by segment
- Historical backtesting view
Exposure at Default & Staging
EAD computation with credit conversion factors for off-balance sheet items. Full IFRS 9 three-stage classification.
- CCF for undrawn commitments
- Stage 1 / 2 / 3 / Off-books labels
- Loan-level EAD decomposition
- Export to regulatory templates
Deterministic hashing
Every run produces a cryptographic hash. Two identical inputs always produce the same output — verifiable by your auditor.
Multi-user isolation
Each analyst works in their own environment. No cross-tenant data leakage. Role-based access across Analyst, Reviewer, and Admin.
Encrypted at rest & in transit
AES-256 at rest, TLS 1.3 in transit. Your loan book never leaves your workspace without your explicit export action.
7-year audit trail
Immutable run records stored for the IFRS 9 required retention period. Exportable to PDF or CSV for regulators.
Why ECL Platform
Better than spreadsheets.
Leaner than enterprise.
| Feature | Spreadsheets / Notebooks | ECL Platform | Enterprise Suites |
|---|---|---|---|
| Cost | Low upfront | Predictable monthly | High licence + implementation |
| Time to deploy | Days (but breaks) | < 1 day | 3 – 12 months |
| Audit trail | Partial | ||
| Multi-user isolation | |||
| On-premise option | |||
| Deterministic output | Varies | ||
| Dedicated support |
Designed for risk teams across East Africa
Ready when you are
See your own portfolio's ECL
in a 30-minute walkthrough
No commitment. Bring your own data or use our sample portfolio. We'll walk you through upload to audit trail.