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ifrs9-staging

Determine IFRS 9 staging classifications using SICR triggers and ECL considerations.

28|19|Updated Mar 5, 2026
Search Tags:#staging#risk-management#credit-risk#impairment#ifrs9#sicr
One-click install
npx skills add https://github.com/panaversity/agentfactory-business-plugins --skill ifrs9-staging
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: ifrs9-staging
Source: https://github.com/panaversity/agentfactory-business-plugins/tree/main/banking/skills/ifrs9-staging
Command: npx skills add https://github.com/panaversity/agentfactory-business-plugins --skill ifrs9-staging

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

Guides financial risk teams through IFRS 9 impairment staging decisions using SICR signals, ensuring consistent application of Stage 1–3 rules, the 30-day rebuttable presumption, and proper cure pathways.

Core Features & Use Cases

  • Stepwise decision logic for Stage 3 triggers (credit impairment) and Stage 2 qualifiers (SICR) and Stage 1 default.
  • Handling of the 30-day past-due presumption with auditable rebuttal guidelines and cure documentation.
  • Audit-ready outputs and governance guidance for portfolio-level impairment assessments.

Quick Start

Run this skill to determine the current IFRS 9 staging for a borrower and generate auditable actions for Stage transitions.

Frequently Asked Questions about ifrs9-staging

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How does SICR trigger IFRS 9 staging transitions for credit portfolios?▼

SICR triggers IFRS 9 staging transitions by evaluating qualitative credit risk changes and past-due thresholds to classify exposures into Stage 1, 2, or 3 with auditable recommendations.

How do I apply the 30-day past-due rebuttable presumption for IFRS 9 impairment?▼

The 30-day past-due presumption automatically flags accounts for Stage 2 or 3 transition, providing auditable rebuttal guidelines and cure documentation requirements to support overriding the presumption.

Can I automate cure scenarios for Stage 3 credit impairment under IFRS 9?▼

Cure scenarios for Stage 3 credit impairment are automated using deterministic decision trees that enforce safe guardrails, preventing unlawful cures and ensuring proper Stage 1 reclassification.

What is the best way to generate auditable IFRS 9 staging decisions for portfolio-level assessments?▼

Auditable IFRS 9 staging decisions are generated through stepwise decision logic that evaluates SICR qualifiers and impairment triggers, outputting governance-ready actions for portfolio-level assessments.

When should I not use qualitative SICR for IFRS 9 staging classification?▼

Qualitative SICR should not override deterministic Stage 3 triggers when contractual default or credit impairment events are already met, ensuring safe guardrails prevent misclassification of impaired exposures.

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