ECL Calculation Simplified / Practical Approach / IFRS 9

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[@martinpule9616]

This is really helpful. Have you been able to make another video with another ECL model?

[@muhammadsalman9440]

You are brilliant! Have you manage to upload more videos of IFRS 9 (different methods). How we can integrate the exchange rate, inflation, interest rate in PD computations? Love to see more video coming :)

[@agonlinetutor3700]

I will do a video on this in due course

[@shif9429]

thank you so much for this! Your working paper is really good. Would it be okay to have a copy of your file? thank you!

[@sanjayaweerasekera4606]

Superb simplified explanation. Well done. Would you mind putting credit risk modelling on Basel III as well. Thank you.

[@raghuveerpatel9724]

Hi sir , Very well explained, clear all the doubt Can you please share the excel file for understanding the calculation in excel

[@KuldeepMashru-xl1ph]

Hello - really informative video, Sir. Thank you. Would it be possible for you to share the excel model please so that I could go over the formulas. Thanks

[@lorluhogunleye6328]

Thanks, for the explanation. Please can you share the excel file?

[@scrubbedem6951]

hi, first of all thank you for creating this video second, is the flow rate same as roll rate?

[@agonlinetutor3700]

While flow rate and roll rate are related, they aren't exactly the same. Flow rate focuses on the broader movement between stages in the ECL model, whereas roll rate is more about tracking delinquency progression. Both are important in assessing credit risk under IFRS 9, but they measure slightly different things.

[@taofikgiwa8897]

Nice Presentation. Please can you help with the Excel work note so we can use to practice and get accustomed to this computation

[@agonlinetutor3700]

Yes, sure. Share your email address/

[@lucymarandu6395]

Can you help with calculations in excel so that I can learn and practice

[@samuelowolabi2224]

Great explanation!!!!

[@prabathwerahera1961]

This is very helpful. Please share the excel sheet

[@ChameeraDeSilvaAU]

Well done Anas ! Really helpful

[@agonlinetutor3700]

Thanks a lot Chameers🙏

[@siewlangting5953]

hi Sir, thanks for the sharing. How about "Forward-Looking Rate" when computing the ECL? Will you share samples as well?

[@agonlinetutor3700]

Thanks 🙏 for your comments. I will try to address this in my future videos.

[@abdulsalammuideen9576]

thank you, very insightful!

[@victorkadiri7651]

I found your presentation really useful. Could you please share the excel file so i can practice?

[@agonlinetutor3700]

Thanks. share your email address.

[@PlainSai]

​@@agonlinetutor3700nice work🎉

[@MuzammilMustafa_ACA]

Very well explained , but You should make the excel file available so that we can practice it and match answer

[@agonlinetutor3700]

Thanks for your comments 🙏 I will share the file.

[@nikeshpandey2551]

Sir please provide us the excel files so that we can go through it

[@mohammedilyas8195]

Thank you ❤

[@scrubbedem6951]

and is the recovery rate = 1-flowrate ?

[@JibrilTegenu-kw9bw]

please ,more addational example

[@ashikm.a4260]

Hello Sir, the video is much helpful. However there is a confusion pertaining to the PD and Recovery rate. PD is basically the probability of being defaulted, ie. 83% probability that the balance might be defaulted and 17% probability that the balance can be recovered. However recovery rate would be if the balance is defaulted how much money can we recover. ie. 43% (57 - 100). Hence LGD% = 1 - Recovery rate. Correct me if I am wrong 🙂

[@Psychology-in-Life]

i think you are right

[@marcjasonwong9438]

Why does the PD of 83% have to be multiplied by 57% to come up of 47% of LGD? Should the LGD is already equal to 83% as it is already the loss? Sorry, I am confused.

[@ShreyaKurian]

When will you be posting remaining methods? What calculation to be done in case the credit period of a company is 90-120 days? How to calculate flow based on such timeline?

[@agonlinetutor3700]

Thanks for your comments. If it is 90-120 days you just need to change the default definition to either 90 or 120 days. In my example it's 60 days.

[@muhammadyaqoob9293]

good presentation. Can I get excel worksheet.

[@agonlinetutor3700]

send me your email please

[@nikeshpandey2551]

Please send me too

[@pancha-pp2nj]

​@@agonlinetutor3700 please send me too sir

[@hossamabdelrahman1235]

Thank you, can i have this file please ?

[@ThameemAnsari-x9h]

Hi! Please explain how you derived 17% as a recovery rate.

[@agonlinetutor3700]

100% - flowRate which is 83% will be 17%.

[@AsifAli-r8u2o]

Sir can you share excel worksheet with me please

[@sohaibameer3742]

Please correct me if i am wrong: as you are calculating the probability of loan moving to next bucket and not to default bucket. for that you need some extra steps to perform

[@agonlinetutor3700]

Default rate is calculated based on the movement in the buckets. What extra steps to be performed? Can you elaborate further?

[@olumuyiwaakande8073]

How can I get this worksheet pls?

[@agonlinetutor3700]

@@olumuyiwaakande8073 email address?

[@nev125]

Can i have the excel file?

[@GhostStoriesChilling]

can i have this template pls . tq

[@BakhtinurSultonov]

Thank you, can you share this file?

[@agonlinetutor3700]

Yes I can share. I will find a way to share the link.

[@BakhtinurSultonov]

Can you share the file?

[@Sham33rah]

Hi can you please send me your excel file? Thanks!

[@agonlinetutor3700]

send me your email please

[@fokadios5134]

may I have your file? thanks a lot

[@agonlinetutor3700]

Sure, how do I send?

[@kashifsami8002]

​@@agonlinetutor3700I need your file

[@kashifsami8002]

​@@agonlinetutor3700please share your email address

[@understandaddvalueimransal3561]

Hi

[@rajeshb8039]

Is this Simplified Approach or General Approach?

[@anekphong2534]

Can I have your file

[@agonlinetutor3700]

Send me your email address

[@startamil2616]

👍👍

[@anneodwyer9425]

@crosseanne

[@anneodwyer9425]

Could I get the excel file please

[@shivrajdulange9458]

Can I have your file

[@agonlinetutor3700]

Email address?

[@kristineradaza9225]

hello Sir,@@agonlinetutor3700 . Can i also have a copy of the file? Thank you.

[@cajitender2008]

Pls share excel