ECL Workspace

Differences outside tolerance

Account	Our ECL	Bank ECL	Difference	Observed difference	Investigation
CO0000	₹1,00,00,000	₹1,18,00,000	−₹18,00,000	Stage 3 vs Stage 2	Open
CR0005	₹16,85,011	₹19,88,313	−₹3,03,302	Stage 2 vs Stage 1	Open
CP0000	₹5,00,000	₹4,60,000	+₹40,000	No input difference identified	Open
CE0010	₹4,10,901	₹3,78,029	+₹32,872	No input difference identified	Open
TO0007	₹1,09,017	₹1,28,640	−₹19,623	Stage 2 vs Stage 1	Open
TM0002	₹1,70,035	₹1,56,432	+₹13,603	No input difference identified	Open
ED0007	₹85,939	₹79,064	+₹6,875	No input difference identified	Open
AJ0000	₹36,288	₹42,820	−₹6,532	Stage 3 vs Stage 2	Open
RF0002	₹31,240	₹36,863	−₹5,623	No input difference identified	Open
SM0012	₹26,620	₹31,412	−₹4,792	No input difference identified	Open
ML0007	₹22,455	₹26,497	−₹4,042	No input difference identified	Open
GJ0012	₹22,321	₹26,339	−₹4,018	No input difference identified	Open
NS0012	₹35,284	₹32,461	+₹2,823	No input difference identified	Open
AO0005	₹22,829	₹21,003	+₹1,826	No input difference identified	Open

Showing 1–14 of 14 matching differences · sorting, filtering and export apply to all matching differences, not this page

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The observed difference column records the difference seen in the inputs, not a cause. Gross difference is shown alongside net because opposing differences cancel in the net total.

HL0014 — side by side

Input	Ours	Bank
Stage	Stage 1	Stage 1
Stage trigger	no SICR trigger	Not supplied
Horizon	12 months	12 months
Outstanding balance	₹25,14,000	Not supplied
Effective LGD	42.9%	Not supplied
Discount rate	9.5%	Not supplied
Model ECL	₹19,213	₹19,213

Observed difference: Rounding
Effect: None — difference within rounding.
Bank staging rationale: Not supplied. The bank file contains no staging trigger column, which does not establish which trigger was assessed.
Next action: Compare exposure schedule and LGD inputs with the bank's working papers.