Loan Portfolio Risk Visualizer — CECL

Tweak PD/LGD per aging bucket and see **CECL** move. Hover the dotted terms for **ELI5 tooltips**.

Total Outstanding (₱)
—
Total CECL (₱)
—
EAD basis
Balance
Formula
Σ(EAD × PD × LGD)
Assumptions (per Aging Bucket)
2%
40%
🟢 Typically low risk
5%
50%
🟠 More slippage, higher PD
12%
60%
🟠 Approaching default
25%
70%
🔴 Likely default
50%
80%
🔴 Very high default risk
What am I changing?

PD raises or lowers expected defaults. LGD scales the loss severity. CECL updates in real time below.

Aging Balances (bars)
Risk Pie — Low
Risk Pie — Medium
Risk Pie — High
Allowance Entry (period end): 

    


    

      CECL breakdown per bucket
      

        
          

            BucketLoansTotal Balance (₱)
            PD %LGD %CECL (₱)
          

        
        
      

      

        CECL per bucket = EAD × PD × LGD.