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Example Bank
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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account CO0014
Term · K. Nair · Borrower BR-40361 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,00,14,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
PD deterioration · Staging policy v1
Model ECL
₹12,47,379
Bank reference
₹12,47,379
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹11,68,267 × 40%
Downside ₹16,37,427 × 35%
Upside ₹8,27,892 × 25%
Probability-weighted ECL ₹12,47,379
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%