Free, and honest about why.
Your book is held in this browser and in no database of ours. Measuring it costs us little and storing it costs us nothing, because we do not store it — so there is no reason to charge you for arithmetic. Nothing on this site is billed today, and that is said here rather than discovered later.
What you get without paying or asking
- 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. There is nothing to sign up for.
The expensive part of a provisioning method was never the arithmetic.
What a regulated buyer actually needs
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, mapped to your products and signed
- The rates are read from paragraph 82 itself and checked against its words by a test. What is left is yours and cannot be done for you by a program: mapping your product codes onto the eleven categories, and a person dating and signing the schedule so there is somebody to ask when a supervisor challenges it.
- 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
- Your work is kept in your own browser, and your file is measured in the request and stored on no server. An organisation that wants its own copy can run one — one installation, one operator, nothing shared with another. What that needs is set out in full.
What the alternatives cost
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.
Talk to somebody
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.
If the question is where the data lives — which is usually the first one — that is answered in full without having to ask.