ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account ED0000
Education · D. Patel · Borrower BR-40167 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹4,00,000
Calculation
Summary
Source data
History
Stage
Stage 3 · lifetime, 84 months
NPA (credit-impaired) · Staging policy v1
Model ECL
₹4,00,000
Bank reference
₹4,00,000
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹4,00,000 × 40%
Downside ₹4,00,000 × 35%
Upside ₹4,00,000 × 25%
Probability-weighted ECL ₹4,00,000
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%