Fintellix: Reality v/s Myth: Revisiting The ALLL Calculation System

Mercurial changes in the economic environment have resulted in increased scrutiny of the ALLL methodology and numbers by regulators and auditors. Though the overall ALLL process seems simple with minimal steps (few accounting principles and specific calculation methodologies), banks have been struggling to overcome the ALLL challenge. Some of the major concerns in the overall ALLL calculation process could be around -

1) The calculation methodology:

a. Historical Loss Rate v/s Migration

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