ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account RF0014
Term · V. Menon · Borrower BR-40346 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹50,14,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹31,315
Bank reference
₹31,315
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹28,337 × 40%
Downside ₹43,933 × 35%
Upside ₹18,416 × 25%
Probability-weighted ECL ₹31,315
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹55,15,400
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.2%