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If the ECL Workbench is not in charge of assigning the impairment stage, no component for staging needs to be selected. In this case, stage information can be provided from a source as input for further steps in the process chain in ECL calculation.
In general, FlexFinance provides seamless options for configuring quantitative and qualitative absolute and relative criteria for stage assignment in IFRS 9.
The following standard components have been defined:
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The component 'Staging DPD & Scoring' considers both the number of days past due (equal to component 'Staging DPD') and the change in scoring. Similar to the component 'Staging DPD & PD', this component links a quantitative and qualitative parameter for stage assignment. It works with relative changes in score points since deal origination.
(Please read more in the manual: Stage Assignment for
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Automatic stage assignment process, taking rule sets of quantitative and qualitative absolut and/or relative criteria into account
Import of the impairment stage
Manual stage assignment
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