ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account TC0010
Term · D. Patel · Borrower BR-40267 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹20,10,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹1,20,330
Bank reference
₹1,20,330
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,16,535 × 40%
Downside ₹1,42,178 × 35%
Upside ₹95,813 × 25%
Probability-weighted ECL ₹1,20,330
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹22,11,000
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.8%