Solutions > For the Regulated > Regnology Finance Hub > Regnology ECL

Regnology ECL

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

Download the brochure
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.

Related solutions

  • Regnology Finance Hub

    A unified finance platform delivering trusted data, automated workflows and real-time insight.

    Learn more

  • Regnology Risk Hub

    A unified, granular risk management platform delivering accuracy, transparency and control.

    Learn more

  • Regnology IFRS 9

    End-to-end IFRS 9 solution covering classification, ECL, accounting, and disclosures with full auditability.

    Learn more

Find out more

Download the Regnology ECL brochure →

Contact us

© 2026 Regnology Group GmbH All Rights Reserved