Question
A lender’s portfolio of unsecured retail loans shows a
moderate uptick in 30-day delinquencies and a macro overlay indicating deterioration in borrower affordability. No individual exposures are credit-impaired, but overlays suggest a meaningful increase in credit risk since initial recognition. Management proposes staying in Stage 1 with 12-month ECL, citing absence of defaults. What is the most appropriate classification for impairment measurement?Solution
A significant increase in credit risk (SICR) since initial recognition moves exposures to Stage 2 with lifetime ECL even without objective evidence of impairment/default. 30-day delinquency uptick plus macro overlays can justify SICR at a portfolio/segment level.
Which among the following words can be formed using the letters of the given word only once?
HELICOPTER
Which among the following words can be formed using the letters of the given word only once?
PLACEMENT
If all the letters of the word ‘ EXEMPLARY ’ are replaced by their preceding letter as per the English alphabetical series, then how many vowels are...
Which among the following words cannot be formed using the letters of the given word only once?
CONSIDERATE
Find which one of the given words cannot be made from the letters of the given word ‘ ENVISAGE ’ .
...From the given word, select the word which cannot be formed using the letters of the given word.
DEPARTMENT
Which among the following words cannot be formed using the letters of the given word only once?
TRANSMISSION
- Which among the following words cannot be formed using the letters of the given word "EXAGGERATION" using each letter only once?
In the following question, find which one word cannot be made from the letters of the given word “TRANSGENDER”
From the given alternative words, select the word which cannot be formed using letters of the given word only once.
PARANORMAL
