banking-ecl

banking-ecl is a command for coding agents from panaversity/agentfactory-business-plugins. It costs 0 tokens per session (255 once invoked), scanned A, original, Apache-2.0.

A command that estimates IFRS 9 Expected Credit Loss, the amount a lender expects not to recover from a loan or portfolio. It applies jurisdiction-specific rules and scenario weighting, using factors such as default probability, loss severity, and exposure.

In plain words
What is it for?
Use it for a facility or portfolio to assess its IFRS 9 stage, calculate expected losses, apply relevant minimum provisions, and produce a disclosure-ready breakdown for jurisdictions such as the UK, UAE, or EU.
Why use it?
It brings loan staging, local requirements, and scenario-based provisions into one calculation instead of requiring separate manual checks.

Command

Part of the banking plugin — 17 skills, 4 commands shipped together

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

agentmods
npx agentmods add commands/panaversity/agentfactory-business-plugins/banking-ecl
Clone the repo
git clone --depth 1 https://github.com/panaversity/agentfactory-business-plugins

Or install banking, the plugin that ships this one along with the rest of its 17 skills, 4 commands.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for banking-ecl

README.md
[![agentmods](https://agentmods.dev/badge/commands/panaversity/agentfactory-business-plugins/banking-ecl.svg)](https://agentmods.dev/commands/panaversity/agentfactory-business-plugins/banking-ecl)
Your own site
<a href="https://agentmods.dev/commands/panaversity/agentfactory-business-plugins/banking-ecl"><img src="https://agentmods.dev/badge/commands/panaversity/agentfactory-business-plugins/banking-ecl.svg" alt="Measured on agentmods" height="20"></a>
Per session 0 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 255 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. Scan, not verified.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5 $0.00000 $0.00255
Opus 5 $0.00000 $0.00128
Sonnet 5 $0.00000 $0.00051
Haiku 4.5 $0.00000 $0.00026

Measured 5d ago against content hash 9cfaed4db4fe, method: parsed. Prices are Anthropic first-party input rates as of 2026-08-30, from the pricing page.

Security

Grade A, and why

banking-ecl scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 5d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

banking/commands/banking-ecl.md · 24 lines

What it actually says

/banking-ecl

Calculate IFRS 9 Expected Credit Loss for a facility or portfolio, applying jurisdiction-specific rules and scenario weighting.

Usage

/banking-ecl

Examples

/banking-ecl uk "Retail mortgage, GBP 250K, LTV 75%, rating BB+, current on payments" /banking-ecl uae "Corporate portfolio: 6 borrowers, see attached data table" /banking-ecl eu "Stage 2 migration assessment for SME book, 30+ DPD facilities"

Workflow

  1. Route to the correct product skill via banking-global-router (ifrs9-ecl, ifrs9-staging, ifrs9-scenarios)
  2. Load the jurisdiction overlay for local requirements
  3. Assess IFRS 9 stage using the staging decision tree
  4. Calculate ECL using scenario-weighted PIT PD x LGD x EAD
  5. Apply jurisdiction-specific minimum provisions if applicable (e.g., CBUAE, SBP floors)
  6. Generate the mandatory output header (GOVERNING STANDARD, DOMAIN, JURISDICTION)
  7. Present results with stage justification, ECL breakdown, and disclosure-ready format
Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 5d ago First seen · 24 lines · 0 tokens per session scan A 9cfaed4db4fe

Subscribe to this mod's changes

banking-ecl is a command published in the GitHub repository panaversity/agentfactory-business-plugins (28 stars, last pushed 5mo ago), licensed Apache-2.0. It costs nothing until one of its globs matches a file; then it loads 255 tokens. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.