ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account RF0010
Term · M. Iyer · Borrower BR-40342 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹50,10,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 96 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹1,10,955
Bank reference
₹1,10,955
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,01,011 × 40%
Downside ₹1,54,222 × 35%
Upside ₹66,291 × 25%
Probability-weighted ECL ₹1,10,955
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹55,11,000
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.2%