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Portfolio Segmentation
Accurately group and manage discrete portfolios based on shared risk characteristics.
Risk Management, Simplified.
IFRS 9 Expected Credit Loss - automated, accurate, and audit-ready.
Replace fragile spreadsheets and disjointed RPA workflows with a purpose-built ECL platform designed for institutional precision. Saral delivers mathematical certainty and regulatory compliance without the overhead.
0 core ECL workflows unified
0 single platform for staging to dashboards
0 spreadsheet dependency removed from core execution flow
Operational friction compounds every reporting cycle
ECL should not be a quarterly fire drill.
Relying on complex Excel models or patched-together RPA solutions for IFRS 9 compliance introduces massive operational risk. Version control issues, manual data entry errors, and unauditable calculations turn mandatory reporting into a stressful, error-prone scramble.
Note: Saral was built specifically for IFRS 9 compliance in partnership with Ernst & Young.
End-to-end ECL computation. Nothing more, nothing less.
Flexible enough to integrate with your existing core banking system. Scalable across multiple portfolios.
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Staging & Classification
Automated, rule-based logic for continuous assessment of significant increases in credit risk.
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Probability of Default (PD)
Robust modeling for 12-month and lifetime probability of default calculations.
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Loss Given Default (LGD)
Precise estimations of loss magnitude incorporating collateral valuations and recovery rates.
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Exposure at Default (EAD)
Dynamic calculations of outstanding balances including amortizations and prepayments.
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Economic Factor Adjustment
Seamless integration of forward-looking macroeconomic variables and multiple scenarios.
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Expected Credit Loss (ECL)
The final, audit-ready computation aggregating all parameters with transparent tracing.
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Credit Conversion Factor (CCF)
Accurate handling of off-balance sheet items and undrawn commitments.
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Management Dashboards
Clear, institutional-grade visualizations for executive oversight and reporting.
Built for banks, leasing companies, and insurers.
Saral is engineered specifically to meet the stringent demands of IFRS 9 and SLFRS 9 compliance across the financial sector. Our platform scales to handle complex institutional portfolios with unyielding accuracy.
Commercial Banks
Finance & Leasing Companies
Insurance Institutions
Not a generic tool. A specialist platform.
Regulatory Alignment
Purpose-built exclusively for IFRS 9 / SLFRS 9 compliance, ensuring every calculation methodology aligns perfectly with current regulatory frameworks.
Expert Backing
Developed in close partnership with Ernst & Young, embedding Big Four consulting expertise directly into the platform's core logic.
Implementation Support Included
We don't just hand over software. Our expert team ensures smooth integration with your existing core systems and provides comprehensive training.
See how Saral works for your institution.
Schedule a confidential demonstration tailored to your portfolio complexities.