ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account CR0015
Term · R. Krishnan · Borrower BR-40104 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹87,50,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
PD deterioration · Staging policy v1
Model ECL
₹25,36,031
Bank reference
₹25,36,031
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹25,36,031 × 40%
Downside ₹25,36,031 × 35%
Upside ₹25,36,031 × 25%
Probability-weighted ECL ₹25,36,031
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%