The IFRS 9 Risk Management module has been intelligently designed to meet all the IFRS9 needs of the financial institution. It manages Risk Scoring for both Loans and Investments, calculates Expected Credit Loss (ECL), Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD) and the subsequent Provision values. It facilitates the ongoing adjustments by authorised users of factors used to measure risk at the institution. It provides reports on members/clients Loan Risk and Probability of Default score and lists high risk/largest loans of the organisation. Provisions are automatically posted directly to the GL from this module and it intelligently adjusts the journal value so that the GL balance of the provision accounts matches the Provision Report. All postings are stored in a log report.