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Industry

Banking

Focus

Credit risk

Illustrative example

Expected credit loss from a loan book

Loans are staged under IFRS 9, losses are estimated and a draft monthly return layout is prepared.

IFRS 9 Credit Loss and BoU Return demo screen

01

The challenge

  • —Staging and loss estimates live in fragile spreadsheets.
  • —Assumptions are hard to trace from month to month.
  • —Return preparation repeats the same manual steps.

02

What the system does

  • —Stages each loan using configurable criteria.
  • —Calculates expected losses with visible assumptions.
  • —Lays out a draft return for review.

03

What the team sees

  • —Stage movements and the reasons for them.
  • —Loss estimates broken down by segment.
  • —A reconciliation back to the loan book.

04

Next steps

  • —Review the demo on its synthetic loan book.
  • —Agree your staging rules and model inputs.
  • —Validate outputs against a past period with your risk team.

Based on the IFRS 9 Credit Loss and BoU Return demo.

View the demo pageBook a walkthrough

This is an illustrative example built on synthetic data. It does not describe a real client, and no results are claimed.