IFRS 9 expected credit loss software for regional & mid-market banks

ECL Pulse is IFRS 9 expected credit loss software for regional and mid-market banks — a web platform for ECL modelling, calculation, and regulatory reporting. Replace spreadsheet-based provisioning with auditable workflows: import your loan portfolio, classify exposures across Stage 1, Stage 2, and Stage 3, calculate 12-month and lifetime ECL, and publish management and supervisory-ready outputs from one workspace.

Finance and risk teams use ECL Pulse to standardise methodology, reduce manual errors, and keep a clear audit trail from raw data through approved results. The platform supports segment-level PD, LGD, and EAD parameters, collateral and guarantees, and configurable macroeconomic scenarios. Explore platform features or pricing and plans to see how it fits your institution.

IFRS 9 ECL modelling and three-stage impairment

Configure PD, LGD, and EAD at segment level, then apply forward-looking adjustments and scenario weights where your policy requires them. Stage 1 uses 12-month ECL; significant increases in credit risk move balances to Stage 2 lifetime ECL; credit-impaired assets sit in Stage 3. Read IFRS 9 three stages and 12-month vs lifetime ECL for methodology context.

Reporting and resources

Review portfolio summaries, export audit-ready packs, and compare runs over time. See what is expected credit loss, IFRS 9 three stages, and build vs buy IFRS 9 ECL software. Start a free trial or sign in. Documentation: user guide and about ECL Pulse.