Dinphia ECL: Advanced Expected Credit Loss Modeling Made Simple

Dinphia ECL is a professional-grade, Excel-based financial model designed to help institutions seamlessly calculate Expected Credit Losses (ECL) in compliance with IFRS 9 standards. Built for precision and flexibility, Dinphia ECL empowers finance teams to model lifetime credit risk using robust methodologies, including transition matrices, probability of default (PD), and loss given default (LGD) frameworks.

Whether you’re managing a loan portfolio, corporate exposures, or retail credit books, Dinphia ECL provides a transparent, auditable, and customizable solution — all within the familiar environment of Microsoft Excel.

Key Features:

• Full IFRS 9 Stage 1, 2, and 3 ECL calculations
• Supports lifetime PD, LGD, and exposure at default (EAD) modeling
• Embedded transition matrix framework for credit migration analysis
• Macro-enabled automation for faster, error-free processing
• Dynamic reporting dashboards and scenario analysis tools
• Customizable assumptions to match internal risk models
• Sensitivity analysis to critcal assumptions under multiple scenarios
• Fully protected model to preserve calculation integrity
• No external software required — runs entirely in Excel

Ideal For:

• Financial institutions
• Corporate finance teams
• Auditors and accounting firms
• Risk management professionals

Why Dinphia ECL?
Save time, reduce manual error, and increase regulatory compliance confidence with a model trusted for clarity, auditability, and professional presentation — all under your control.