ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account VL0041
Auto · K. Nair · Borrower BR-40041 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,41,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹1,535
Bank reference
₹1,535
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,480 × 40%
Downside ₹1,831 × 35%
Upside ₹1,208 × 25%
Probability-weighted ECL ₹1,535
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹1,51,000
Valuation date
31 Mar 2027
Haircut
30.0%
Recovery lag
—
Recovery costs
—
Effective LGD
50.2%