ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account VL0016
Auto · U. Shetty · Borrower BR-40016 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,16,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹1,242
Bank reference
₹1,242
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,198 × 40%
Downside ₹1,482 × 35%
Upside ₹977 × 25%
Probability-weighted ECL ₹1,242
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹1,26,000
Valuation date
31 Mar 2027
Haircut
30.0%
Recovery lag
—
Recovery costs
—
Effective LGD
49.3%