Financial engineering for banks & DFIs
IFRS 9, Basel, and capital adequacy solutions—validated, audit-ready, and globally deployed across 60+ institutions.
IFRS 9 ECL Provisioning
Automated expected credit loss calculations with point-in-time PD, LGD, and EAD models audited by Big 4 firms
Basel III/IV Analytics
Comprehensive ICAAP and ILAAP modeling with regulatory stress scenarios and capital buffer optimization
Risk Appetite Frameworks
Board-approved quantified thresholds, tolerance bands, and automated governance reporting
Independent Model Validation
Third-party backtesting, stress testing, and complete audit trail documentation for regulatory compliance
Comprehensive platform capabilities
End-to-end solutions for credit risk management, capital planning, and regulatory compliance
Portfolio Segmentation
Discriminant analysis, pooling
Macro-economic Scenarios
MEVs identification, MES simulations
Supervisory Disclosures
Board/regulatory exports
Stress Testing Engine
Parametric and scenario overlays
Integration
ERP, core banking, AARO reporting
Committee Artifacts
Transparent reporting and documentation
Trusted by leading institutions worldwide
From commercial banks to development finance institutions across four continents
Empower your committees with audit-ready analytics
Join 60+ banks leveraging FineIT's platforms for regulatory compliance and risk management
Banking and DFI compliance solutions
FineIT delivers audit-ready IFRS 9 Expected Credit Loss, Basel III/IV capital adequacy, stress testing, and regulator-specific disclosures for commercial banks, Islamic banks, microfinance networks, and development finance institutions. Estimator 9 is currently live at 56+ banking and DFI institutions across the GCC, South Asia, East Africa, the UK, and Canada, with a 100% first-time IFRS 9 audit approval rate.
Banking clients typically run Estimator 9 for ECL, Credit Risk Rating Software for Basel II FIRB scorecards, and Basel Analytics Suite for RWA, ICAAP, ILAAP, LCR, and NSFR. Integrations are available for Temenos T24, Finacle, Flexcube, SAP, and custom core banking platforms. Development finance institutions additionally use Model Validation services for independent governance reviews demanded by multilateral funders and regulator supervisory colleges.
Regional templates cover CBUAE, SBP, SAMA, CBK, NRB, CBB, QCB, BoT, RBF, PRA, and OSFI submission formats. Islamic banking clients run Estimator9-S, a Shariah-compliant IFRS 9 engine aligned with AAOIFI guidance for Murabaha, Ijarah, Diminishing Musharakah, and Salam contracts.
Key facts
- Active banking and DFI deployments: 56+
- IFRS 9 first-time audit approval rate: 100%
- Core banking integrations: Temenos T24, Finacle, Flexcube, SAP, custom
- Islamic banking engine: Estimator9-S (AAOIFI-aligned)
- Regulators covered: CBUAE, SBP, SAMA, CBK, NRB, CBB, QCB, BoT, RBF, PRA, OSFI
- Microfinance partners: Pakistan Microfinance Network, Munsalik, KASHF Foundation
- Standard deployment: 14 days
Frequently asked questions
Does FineIT support both conventional and Islamic banking under IFRS 9?
Yes. Estimator 9 handles conventional banking ECL; Estimator9-S is a fully Shariah-compliant IFRS 9 platform aligned with AAOIFI guidance, covering Murabaha, Ijarah, Diminishing Musharakah, and Salam contracts. Both share a common audit-ready disclosure layer.
Which Basel III/IV disclosures are automated?
Basel Analytics Suite automates credit RWA (Standardised and IRB), market risk, operational risk, ICAAP, ILAAP, LCR, NSFR, leverage ratio, and regulator-specific submission templates for CBUAE, SBP, SAMA, CBK, NRB, CBB, QCB, BoT, RBF, PRA, and OSFI.
Can Estimator 9 integrate with our core banking system?
Yes. Certified connectors exist for Temenos T24, Infosys Finacle, Oracle Flexcube, and SAP Banking, and custom connectors are built during the standard 14-day implementation window for other cores. REST API, SFTP, and scheduled ETL are supported out of the box.
Do microfinance institutions use FineIT?
Yes. Microfinance clients include members of the Pakistan Microfinance Network (PMN), Munsalik, and the KASHF Foundation. Estimator 9 supports simplified segment structures and high-volume low-ticket loan books typical of microfinance portfolios.
How quickly can a bank go live on Estimator 9?
Standard implementation is 14 days from kickoff to first audit-ready ECL output, covering data ingestion, PD/LGD/EAD calibration, staging logic, and disclosure templates. Multi-entity groups and custom model builds are scoped separately during discovery.