ICAAP
ICAAP / ILAAP
Internal capital and liquidity adequacy — stress testing, buffers, and supervisory packs.
- Pillar 2 capital assessment
- Liquidity coverage and funding
- Integrated capital–liquidity stress
ICAAP / ILAAPIFRS 9 · Finales
ICAAP, IFRS 9, Finalesprecisely measured.
Capital and liquidity adequacy, expected credit loss, and financial analytics — one platform for risk, finance, and the board.
Now running: ICAAP capital assessment
The suite
Three products. One operating model.
Prudential capital and liquidity, IFRS 9 impairment, and Finales analytics — governed from ingest through to disclosure.
IFRS 9
IFRS 9 ECL
Expected credit loss with PD, LGD, EAD, staging, and audit-ready disclosure.
- Stage 1 / 2 / 3 allocation
- Scenario-weighted ECL
- IFRS 9 disclosure packs
Finales
Finales
Financial analytics and management information for ALCO, profitability, and period close.
- ALCO and board packs
- Profitability and MIS views
- Period-close analytics
99%
Model output repeatability across audit cycles
<4hr
End-to-end ECL run time for complex portfolios
3x
Faster regulatory disclosure preparation
100%
Regulatory alignment across ICAAP, IFRS 9, and Finales
From raw data to board-ready disclosure
A structured workflow for how risk and finance teams collaborate across ICAAP/ILAAP, IFRS 9, and Finales.
01
Ingest & segment
Load portfolio exposures, collateral, and macro inputs with governed segmentation rules.
- Portfolio and facility-level ingestion
- Segmentation by product, stage, and geography
- Data quality checks before engines run
02
Model & stage
Run IFRS 9 engines, ICAAP/ILAAP stress, and Finales analytics aligned to your policies.
- PD, LGD, and EAD with staging audit trail
- Capital and liquidity stress scenarios
- Finales profitability and ALCO views
03
Measure & assess
Execute scenario-weighted ECL, capital and liquidity adequacy, and management analytics.
- 12-month and lifetime ECL
- ICAAP capital and ILAAP liquidity buffers
- Finales period-close and MIS packs
04
Report & disclose
Produce board-ready packs, regulatory disclosures, and sign-off artefacts.
- IFRS 9, ICAAP, and ILAAP disclosure packs
- Finales ALCO and board exports
- Versioned outputs for audit and sign-off
Ready to start
Disciplined credit risk management starts here
Join finance and risk teams across East Africa running ICAAP/ILAAP, IFRS 9, and Finales with confidence.
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