ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account CC0017
Card · V. Menon · Borrower BR-40086 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹28,500
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹953
Bank reference
₹953
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹919 × 40%
Downside ₹1,136 × 35%
Upside ₹749 × 25%
Probability-weighted ECL ₹953
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹0
Valuation date
31 Mar 2027
Haircut
100.0%
Recovery lag
—
Recovery costs
—
Effective LGD
100.0%