Assess a bank’s credit risk and investment safety with our Expected Loss calculator
Enter financial details from financial statements to estimate Expected Loss and assess the bank’s ability to repay funds.
Follow these steps to assess a bank’s credit risk and determine if it’s safe to place funds.
Provide the bank’s name and Exposure at Default (GHS thousands), found in “Borrowings” from the Statement of Financial Position .
Enter Net Impairment Loss and Loans and Advances (GHS thousands) from Q1 2025 financial statements to calculate Probability of Default (PD). Enter Liquid Assets and Total Assets to calculate Loss Given Default (LGD).
Input Current Assets, Current Liabilities, and Non-Pledged Trading Assets (GHS thousands) from the Statement of Financial Position to calculate Current, Quick, and Cash Ratios.
Input Profit Before Income Tax and Interest Paid (GHS thousands) from the Statement of Comprehensive Income to calculate the Interest Coverage Ratio.
Click “Calculate” to compute Expected Loss, liquidity ratios, and Interest Coverage Ratio. Review the results and recommendations to decide if the bank is safe for fixed deposits or repos.