ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account JL0010
Jewel · D. Patel · Borrower BR-40147 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,60,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 12 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹521
Bank reference
₹521
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹448 × 40%
Downside ₹796 × 35%
Upside ₹253 × 25%
Probability-weighted ECL ₹521
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹1,76,000
Valuation date
31 Mar 2027
Haircut
10.0%
Recovery lag
—
Recovery costs
—
Effective LGD
30.9%