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Regnology ECL

Accurate, transparent expected credit loss measurement with strong governance and audit readiness.

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Regnology ECL Regnology ECL

Streamline your ECL. Strengthen your governance. 

Regnology ECL provides a controlled, end-to-end framework for managing expected credit losses. It handles credit risk assessment, stage determination, ECL calculation, accounting integration and disclosure support.

By incorporating forward-looking information and supporting multiple calculation methods, the solution delivers consistent, transparent, and audit-ready impairment outcomes for both individual assets and entire portfolios.

Key benefits

  • End-to-end ECL coverage

    Supports stage assessment, measurement, accounting treatment, and impairment disclosures.

  • Flexible credit risk assessment

    Applies PD-based approaches, proxy methods, and rebuttable assumptions as permitted under IFRS 9.

  • Forward-looking impairment

    Incorporates macroeconomic and customer-specific factors through scenario-based analysis.

  • Strong governance and control

    Supports workflow, notifications, and four-eyes principles for stage assessment and overrides.

  • Audit-ready transparency

    Provides full traceability from source data through calculation, accounting, and disclosure.

Key features

  • Credit risk assessment and stage determination

    Implements the IFRS 9 three-stage impairment model with PD and loss rate-based approaches, and proxy methods for accurate stage classification.

  • Rebuttable assumptions and workflow

    Provides controlled workflows for past-due threshold breaches, notifications, and confirmation processes aligned with four-eyes principles.

  • Expected credit loss measurement

    Supports ECL measurement at individual and portfolio levels using internal ratings, segmentation logic, and both 12-month and lifetime horizons.

  • Probability of default and loss calculation

    Delivers IFRS-compliant PD and LGD calculations, leveraging transition matrices, Markov Chains, and matrix-based lifetime PD derivation.

  • Macroeconomic scenario integration

    Incorporates factor-based models and scenario-driven analysis to reflect macroeconomic and customer-specific variables in impairment outcomes.

  • Accounting integration and disclosures

    Generates IFRS-compliant booking entries, integrates with general ledger systems, and provides comprehensive impairment disclosures at portfolio and contract levels.

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Find out more

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