ERM Solution

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.

FEATURES

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

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
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WHY BENCHMATRIX

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.
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