ECLHive
Turn your loans and receivables book into audit-ready ECL staging, provision calculations, and disclosures — without building PD/LGD/EAD models in spreadsheets.
✓ Reviewed by Chartered Accountants ✓ Built for banks, NBFCs & lenders
Still modelling ECL in Excel?
IFRS 9 expected credit loss models are complex, hard to validate, and easy to break when a portfolio changes. ECLHive replaces the manual modelling with a system built for it.
The Problem
Staging exposures into Stage 1, 2, and 3 by hand across a growing portfolio is slow and inconsistent between reporting periods.
With ECLHive
Staging rules apply automatically based on your SICR criteria, with every migration logged and explainable.
The Problem
Auditors ask how your PD, LGD, and EAD assumptions were derived, and reconstructing the logic from old spreadsheets takes days.
With ECLHive
Every assumption, overlay, and calculation step is documented and attached — ready to defend in an audit review.
The Problem
Forward-looking macroeconomic overlays get applied inconsistently, with little record of how or why they were adjusted.
With ECLHive
Forward-looking overlays are applied transparently, with documented scenarios and weightings ready for disclosure.
How ECLHive Works
Import Your Portfolio
Load your loans, receivables, or investment exposures directly, or import your existing portfolio in one go.
System Stages & Calculates
Exposures are staged automatically and PD/LGD/EAD-based ECL is calculated instantly.
Apply Overlays & Review
Apply forward-looking overlays and review provision movements, all with a full audit trail.
Export Disclosures
One click bundles the provision matrix, journals, disclosures, and evidence — ready to send.
How ECL Is Calculated
ECLHive applies the IFRS 9 three-stage general approach, so every exposure's measurement basis is transparent and auditable.
Stage 1 · Performing
12-Month ECL
No significant increase in credit risk (SICR) since origination. Loss allowance is measured on expected losses over the next 12 months.
ECL = PD(12m) × LGD × EAD
Stage 2 · Underperforming
Lifetime ECL
A significant increase in credit risk has been identified since origination, based on your SICR criteria. Loss allowance moves to a lifetime basis.
ECL = PD(lifetime) × LGD × EAD
Stage 3 · Credit-Impaired
Lifetime ECL
Objective evidence of impairment exists at the reporting date. Interest revenue is calculated on the net carrying amount.
ECL = LGD × EAD (PD = 100%)
Forward-looking overlays are then applied by weighting multiple macroeconomic scenarios, so the final provision reflects more than just historical loss experience.
Upside Scenario
15%
Base Scenario
60%
Downside Scenario
25%
Staging & SICR Assessment
Exposures are classified into Stage 1, 2, and 3 automatically based on your significant increase in credit risk (SICR) criteria, with every stage migration logged and explainable.
PD / LGD / EAD Modelling
Probability of default, loss given default, and exposure at default are calculated per exposure, with assumptions documented and traceable back to source data.
Provision Matrix
A simplified approach provision matrix is available for trade receivables, built from ageing buckets and historical loss rates, ready for review each period.
Forward-Looking Overlays
Macroeconomic scenarios and overlays are applied transparently, with documented weightings so every adjustment can be explained and defended.
Journals
Journal entries for provision movements, write-offs, and recoveries are generated automatically and mapped to your chart of accounts.
Disclosures
IFRS 9 disclosure notes — including staging reconciliations and provision movements — are compiled directly from your live portfolio, ready for review.
Request a Live Demo
See ECLHive working with a real loan or receivables portfolio. Fill in your details below and our team will email you to schedule a walkthrough.
See ECLHive in Action
ECL Staging Summary
Provision Matrix
Disclosure Note
Spreadsheet vs. ECLHive
| Excel Spreadsheet | ECLHive | |
|---|---|---|
| Staging exposures | Manual, inconsistent | Automatic, rule-based |
| PD/LGD/EAD assumptions | Hard to trace | Documented per exposure |
| Forward-looking overlays | Applied inconsistently | Transparent & documented |
| Growing portfolios | Slows down significantly | Scales without extra effort |
| Audit trail | Hard to reconstruct | Full calculation history |
Simple, volume-based pricing — cost depends on the size of your loan or receivables portfolio. Talk to us for a quote tailored to your business.
Frequently Asked Questions
Can I import my existing loan or receivables book?
Yes. We help you migrate your current portfolio data during setup, so you don't start from zero.
Does ECLHive support the simplified approach for trade receivables?
Yes. ECLHive supports both the general approach (staging with PD/LGD/EAD) and the simplified provision matrix approach for trade receivables.
How is ECLHive priced?
Pricing is volume-based, depending on the size of your portfolio. Get in touch for a quote specific to your business.
How long does setup take?
Most teams are up and running within a few days, once your portfolio data is migrated and reviewed.
Does ECLHive support scenario weighting for forward-looking overlays?
Yes. You can define multiple macroeconomic scenarios (e.g. base, upside, downside) with their own probability weightings, and ECLHive applies them consistently across the portfolio each period.
How does ECLHive decide between 12-month and lifetime ECL?
Staging follows your defined SICR (significant increase in credit risk) criteria — days past due, credit rating migration, watchlist status, or custom triggers. Stage 1 exposures use 12-month ECL; Stage 2 and 3 move to lifetime ECL automatically.
Is my data reviewed by a real accountant?
Yes. Every ECLHive workspace is reviewed by our Chartered Accountants as part of the standard workflow.
Ready to set up ECLHive?
Book a free 15-minute walkthrough and get your portfolio migrated into your first IFRS 9 workspace.
Book a Free Walkthrough