Provision and allowance monitoring
Track income statement PCL, balance sheet ACL, and movement tables without treating every filing as a one-off spreadsheet.
Provision for Credit Loss intelligence
PCL Stack
Evidence-backed monitoring for PCL, ACL, IFRS 9, and ECL movements in bank financial disclosures. Built for analysts who need faster comparability without losing source traceability.
Public demo data is intentionally limited and sanitized. PCL Stack is decision support for analyst review, not investment advice and not a compliance guarantee.
From disclosure text to provision intelligence.
PCL Stack is designed around the work analysts actually do: finding the number, understanding the movement, checking the source, and comparing it across banks and reporting periods.
Stage-aware risk lens
Normalize Stage 1, Stage 2, Stage 3, product categories, and loan-balance disclosure lines so period shifts are easier to inspect.
Traceable analytics
Keep extraction, validation, duplicate controls, and publication decisions separated so the dashboard is based on approved facts.
Built for controlled analyst workflows.
The extraction engine stays private. Public pages show only approved, published, and intentionally limited data. The private dashboard unlocks the deeper evidence trail when access control is in place.
1
Extract
Owner-run parsing reads bank reports and identifies PCL, ACL, IFRS 9, ECL, and loan-balance disclosures.
2
Validate
Numbers are checked against source values, roll-forward controls, and duplicate comparative-period risks.
3
Publish
Only curated facts reach dashboard exports, with public demo output sanitized before it is shared.
Two experiences, one controlled data boundary.
The public demo shows product shape. The private dashboard is for full analyst access after review, publication, and access control.
Sanitized demo
Limited, anonymized, static data showing executive signals, stage mix, movement bridge, peer positioning, and trust story.
- Safe to share publicly after local bundle checks pass.
- No uploads, review queue, admin actions, or live API calls.
- Primary entry point: demo.pclstack.com.
Full analyst dashboard
Planned private access for the complete published dataset, evidence drilldown, full peer coverage, and exportable analyst memo workflows.
- Must be protected before the full bundle is deployed.
- Designed for owner and invited analyst users.
- No public data upload feature is planned for this phase.
See the limited public demo.
Preview the executive dashboard experience without exposing the full dataset or private evidence trail.