ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account ED0009
Education · U. Shetty · Borrower BR-40176 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹4,09,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 84 months
PD deterioration · Staging policy v1
Model ECL
₹86,361
Bank reference
₹86,361
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹80,847 × 40%
Downside ₹1,14,799 × 35%
Upside ₹55,373 × 25%
Probability-weighted ECL ₹86,361
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%