ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account SM0010
Term · D. Patel · Borrower BR-40207 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹15,10,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹63,378
Bank reference
₹63,378
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹61,507 × 40%
Downside ₹74,124 × 35%
Upside ₹51,328 × 25%
Probability-weighted ECL ₹63,378
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹16,61,000
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
44.1%