Free, and honest about why.
The measurement runs in your browser. Your file is never uploaded, so there is no per-user cost to serve you and no reason to charge you for arithmetic. Nothing on this site is billed today, and that is said here rather than discovered later.
- 01The full three-stage measurement — staging, PD, LGD, EAD, scenarios, floors
- 02The simplified approach for trade receivables
- 03Loss rates and PDs calibrated from your own history
- 04Back-testing a model against a period that has already finished
- 05Movement analysis separating the book from the model
- 06The four financial statements from your trial balance
- 07The journal entry, the IFRS 7 disclosure note and the working paper behind both
- 08Every screen, on any size of portfolio, for as long as you want
No account, no trial, no card. An account is needed for one thing only: putting a model change under review, because an approval recorded in a browser that forgets is not an approval.
The expensive part of a provisioning method was never the arithmetic.
A bank cannot adopt a method because it produced a number. Somebody has to be answerable for it when a supervisor or an auditor takes it apart, and that is the part worth paying for. It is a conversation, not a plan selector, because the work differs by book.
- The floor schedule, reconciled and dated
- The product-wise minimum provisioning rates in the engine have not been reconciled line by line to the final directions. Doing that for your product set, and dating it, is work somebody has to be answerable for.
- Model documentation a supervisor will accept
- The method written up as a model document: what it assumes, what it was validated against, where the judgement sits, and what would make it wrong.
- Somebody answerable when it is challenged
- An auditor or a supervisor asks a question about a figure and there is a name to ask. That is what a support arrangement actually is in this market.
- Your data, your infrastructure
- The measurement already runs on your machine. Running the whole thing inside your own environment, on your own domain, is a deployment question with an answer.
Figures as reported by the vendors and analysts in this market, not measured by us. They are here as an anchor, and the honest reading of them is that the incumbents are expensive and slow rather than that they are bad — a large bank buying SAS is buying support and accountability, which is the same thing named above.
If you are inside a bank or an NBFC and have a date to hit, say what you are holding and what has to be true by when. The reply comes from a person.