Our Expertise
We provide specialised advisory and validation services in relation to Expected Credit Loss (ECL) provisioning under IND AS 109, in alignment with the prudential and regulatory expectations prescribed by the Reserve Bank of India (RBI) for banks and financial institutions. IND AS 109 requires recognition of credit impairment based on a forward-looking ECL model, incorporating Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD), along with macro-economic overlays and staging assessment (Stage 1, Stage 2 and Stage 3 classification). RBI guidelines mandate that banks maintain robust governance frameworks, model validation mechanisms, board-approved ECL policies, and adequate documentation supporting assumptions, data integrity, back-testing and sensitivity analysis.
We implement these Guidelines through Tested and Tried Software already working in large NBFC and Financial Institutions.
We provide specialised advisory and validation services in relation to Expected Credit Loss (ECL) provisioning under IND AS 109, in alignment with the prudential and regulatory expectations prescribed by the Reserve Bank of India (RBI) for banks and financial institutions. IND AS 109 requires recognition of credit impairment based on a forward-looking ECL model, incorporating Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD), along with macro-economic overlays and staging assessment (Stage 1, Stage 2 and Stage 3 classification). RBI guidelines mandate that banks maintain robust governance frameworks, model validation mechanisms, board-approved ECL policies, and adequate documentation supporting assumptions, data integrity, back-testing and sensitivity analysis.
We implement these Guidelines through Tested and Tried Software already working in large NBFC and Financial Institutions.
Services
Intellectual Property
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Intellectual Property
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Attorneys in Charge
Janet Lin
Managing Partner
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Janet Lin
Managing Partner
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