ECL Calculator
IFRS 9 Expected Credit Loss Engine

IFRS 9 Expected Credit Losses – fast, transparent, auditable

Run scenario-weighted ECL with explainable PD/LGD/EAD logic and discounting, right in your browser.

Request Demo Resources

Live ECL Preview

Adjust EAD, PD, LGD, term, discount rate, and scenario weights. Results update instantly.

ECL (Base) 12.46M SAR
Coverage Ratio 1.32%
Stage 3 Ratio 8.71%
Try it below
How to use the demo
  1. Set EAD, LGD%, PD%, and Term.
  2. Choose a Discount rate and toggle Lifetime (Stage 2 & 3) if needed.
  3. Adjust Upside/Base/Downside weights; we keep them totaling 100%.

Inputs
Scenario weights Current total: 100%
Results
Upside ECL
ê0
Base ECL
ê0
Downside ECL
ê0
Weighted ECL
ê0
Discount factor: 0.000  ·  Term used: 1y
Illustrative only. Use your institution’s models, staging rules, and macro overlays in your full platform.

FAQ

Frequently Asked Questions – ECL Calculator

Everything you need to know about IFRS 9 expected credit loss calculation.

The preview is illustrative. The full platform supports institution-approved models, staging rules, overlays, and documentation to meet IFRS 9 requirements with audit-ready controls.

Use flat-file uploads, database connectors, or APIs. We include mapping templates and validation to reduce manual cleanup.

We offer multi-tenant SaaS, private cloud in your region, and on-prem options. All deployments include SSO, encryption at rest and in transit, and detailed access logs.

Yes. Export portfolio- and instrument-level ECL, sensitivities, and audit trails to CSV, Excel, or your GL system.