Expected Credit Loss (ECL) Calculator
Forward-Looking Financial Health: Harnessing ECL for Accurate Risk Assessment
Empowering Financial Insights: Navigating Credit Risk with ECL Precision
ECL (Expected Credit Loss) stands as a cornerstone metric within the financial sector, crucial for banks and financial institutions to gauge and prepare for potential credit losses in their loan portfolios. It operates under the umbrella of the International Financial Reporting Standard (IFRS) 9, providing a structured framework for estimating and recognizing credit losses.
At its core, ECL serves to revolutionize the approach to credit risk management, offering a forward-looking perspective that enables institutions to anticipate and address potential losses more effectively. By amalgamating historical data, forward-looking insights, and robust statistical models, ECL’s calculation methodology presents a comprehensive approach. From gathering historical loan performance data to estimating probabilities of default (PD), determining loss given default (LGD), and assessing exposure at default (EAD), every step contributes to a nuanced understanding of credit risk.
Ultimately, by integrating ECL into financial statements, institutions can present a clearer and more accurate portrayal of their financial health and risk exposure, thus fostering greater transparency and resilience in the face of evolving market dynamics.
- ECL fosters forward-looking risk management, enhancing identification and assessment of potential losses for proactive mitigation.
- Integration of expected credit losses ensures more accurate and transparent financial statements, bolstering information quality for stakeholders.
- ECL, mandated by IFRS 9, aids financial institutions in meeting regulatory requirements, averting penalties and reputational risks.
- ECL products offer crucial insights into loan portfolios, empowering informed decisions on credit risk, provisioning, and capital allocation.


Automated Integration, Customizable Reporting, and Reliable Validation with ECL Products
Empower Your Financial Decisions with ECL's Comprehensive Portfolio Analysis
ECL offers a robust product designed to equip financial institutions with the tools they need to conduct thorough portfolio analysis. By leveraging our solution, institutions can effectively evaluate credit quality and anticipate potential losses within their loan portfolios. Whether identifying high-risk segments or individual loans requiring closer monitoring or provisioning, ECL ensures informed decision-making and risk mitigation strategies.
Key features
- ECL's product offers comprehensive portfolio analysis, enabling financial institutions to assess credit quality and potential losses in loan portfolios.
- Quickly identify high-risk segments or individual loans for closer monitoring or provisioning.
- Make informed decisions to improve portfolio performance and stability.
- Implement proactive risk mitigation strategies based on actionable insights.
- Ensure timely response to emerging risks and market fluctuations with enhanced monitoring.










Unlocking Insightful Risk Management with ECL Products
ECL products provide comprehensive tools for institutions to navigate the complex landscape of credit risk management. With innovative scenario analysis functionality at its core, these solutions empower institutions to anticipate and mitigate potential credit losses effectively.
Key features
- Utilize sophisticated tools for simulating economic scenarios and assessing their impact on credit losses.
- Gain insights into portfolio sensitivity to economic changes, empowering proactive risk management.
- Assess vulnerabilities within portfolios through thorough scenario analysis.
- Implement strategies to safeguard against adverse economic conditions.
- Fine-tune management strategies for optimized risk-return profiles.










Streamlining Risk Management with ECL Automation
Elevate your risk management practices with ECL's seamless integration solutions. By automating Expected Credit Loss (ECL) calculations and reporting, we empower financial institutions to enhance efficiency, accuracy, and regulatory compliance.
Key features
- Seamlessly integrate ECL products into your existing risk management systems.
- Automate ECL calculations and reporting processes for streamlined operations.
- Reduce manual effort, enhancing efficiency and accuracy in risk assessment.
- Ensure compliance with regulatory requirements effortlessly.
- Elevate your institution's risk management practices with our integrated solutions.










Unlocking Insights, Empowering Decisions
ECL products provide customizable reporting capabilities to generate ECL-related information for internal management and external stakeholders. This includes financial statements, regulatory reports, and disclosures required by accounting standards.
Key features
- Tailor-made insights for your needs.
- Detailed financial statements for informed decisions.
- Seamless reports for transparency.
- Effortless adherence to accounting standards.










Ensuring Precision and Compliance with ECL Audit and Validation Features
Empower your financial institution with ECL products fortified by robust audit and validation capabilities. These features are meticulously designed to fortify the accuracy and dependability of your Expected Credit Loss (ECL) calculations. By leveraging our solutions, you not only meet regulatory mandates but also offer stakeholders unwavering assurance.
Key features
- ECL products ensure accurate calculations with advanced audit and validation features.
- Demonstrate adherence to standards seamlessly through comprehensive audit and validation.
- Build trust with reliable and precise ECL calculations.
- Mitigate risks effectively with tailored auditing and validation protocols.
- Foster transparency with rigorous audit and validation in our ECL products.










Empower Your Financial Decisions with ECL's Comprehensive Portfolio Analysis
ECL offers a robust product designed to equip financial institutions with the tools they need to conduct thorough portfolio analysis. By leveraging our solution, institutions can effectively evaluate credit quality and anticipate potential losses within their loan portfolios. Whether identifying high-risk segments or individual loans requiring closer monitoring or provisioning, ECL ensures informed decision-making and risk mitigation strategies.
Key features
- ECL's product offers comprehensive portfolio analysis, enabling financial institutions to assess credit quality and potential losses in loan portfolios.
- Quickly identify high-risk segments or individual loans for closer monitoring or provisioning.
- Make informed decisions to improve portfolio performance and stability.
- Implement proactive risk mitigation strategies based on actionable insights.
- Ensure timely response to emerging risks and market fluctuations with enhanced monitoring.










Unlocking Insightful Risk Management with ECL Products
ECL products provide comprehensive tools for institutions to navigate the complex landscape of credit risk management. With innovative scenario analysis functionality at its core, these solutions empower institutions to anticipate and mitigate potential credit losses effectively.
Key features
- Utilize sophisticated tools for simulating economic scenarios and assessing their impact on credit losses.
- Gain insights into portfolio sensitivity to economic changes, empowering proactive risk management.
- Assess vulnerabilities within portfolios through thorough scenario analysis.
- Implement strategies to safeguard against adverse economic conditions.
- Fine-tune management strategies for optimized risk-return profiles.










Proactively mitigate risk with early warning insights
Unleash the power of your data with our Key Risk Indicator Management solution. Gain actionable insights, track progress effortlessly, and make informed decisions that drive success. Our Key Indicator Trend Analysis helps you understand risk elements, analyze patterns, and empower informed decision-making.
Key features
- Define and track key metrics
- Real-time data visualization
- Streamlined data integration
- Formula Setup
- Action plans for breach of threshold
- Define stakeholder responsibilities
- Define the linkage of Data value with Key Indicator
- Setting up risk weights with KI Automated Workflow
- Monitor progress and performance
- Leverage interactive charts and graphs to gain a clear understanding
- Automated Workflow


Unlocking Insights, Empowering Decisions
ECL products provide customizable reporting capabilities to generate ECL-related information for internal management and external stakeholders. This includes financial statements, regulatory reports, and disclosures required by accounting standards.
Key features
- Tailor-made insights for your needs.
- Detailed financial statements for informed decisions.
- Seamless reports for transparency.
- Effortless adherence to accounting standards.










Ensuring Precision and Compliance with ECL Audit and Validation Features
Empower your financial institution with ECL products fortified by robust audit and validation capabilities. These features are meticulously designed to fortify the accuracy and dependability of your Expected Credit Loss (ECL) calculations. By leveraging our solutions, you not only meet regulatory mandates but also offer stakeholders unwavering assurance.
Key features
- ECL products ensure accurate calculations with advanced audit and validation features.
- Demonstrate adherence to standards seamlessly through comprehensive audit and validation.
- Build trust with reliable and precise ECL calculations.
- Mitigate risks effectively with tailored auditing and validation protocols.
- Foster transparency with rigorous audit and validation in our ECL products.





































NBP Collaborates with BenchMatrix to Strengthen Governance, and Compliance Solutions
National Bank of Pakistan has collaborated with BenchMatrix’s RiskNucleus Governance, Risk, and Compliance System to digitally transform the bank’s operations, drive process efficiency, ensure regulatory


Bank of Khyber Selects BenchMatrix for the Implementation of RiskNucleus® Loan Origination System
Bank of Khyber has selected BenchMatrix’s RiskNucleus Loan Origination System (LOS) to streamline and automate various stages of lending/financing approval process. This strategic move leverages


Meezan Bank goes live with BenchMatrix’s GRC platform for Enterprise Technology Governance & Risk Management Framework (ETGRM)
Meezan Bank, Pakistan’s first and largest Islamic bank, in collaboration with BenchMatrix, has successfully launched the RiskNucleus® GRC Platform for Enterprise Technology Governance & Risk
Global industry expertise
With 14+ years of experience in providing tech solutions & services to financial institutions around the world, we understand all possible the complexities and challenges.Seamless integration
We understand the importance of ensuring your tools and processes work smoothly together. Our top-notch solutions seamlessly integrate your existing core systems, making work more efficient.Cutting-edge technology
We leverage advanced technologies to help you stay ahead in the world of finance by empowering you to take control of operations, risks & compliance at all levels.Scalable solutions
Ranging from small & medium sized enterprises to expansive global enterprises, our solution's adaptability and scalability enable us to mould them your way.Dedicated support
From implementation to ongoing assistance, we provide exceptional support throughout your journey through a dedicated customer success manager for you.Flexible deployment
We ensure you get the solution that is the right fit for your organisation. From on-premises deployment to cloud deployment, we are your partner in success.Reach out to us
We’re happy to answer any questions you may have and help you determine which of our services best fit your needs.
Committed to delivering excellence
- 14 Years of Experience
- 100+ Clients
- 16 Countries
- 5 Regions
What happens next?
We schedule an introductory call
We do a
discovery meeting
We share a tailored proposal