Loan loss (impairment ) provisioning model

Replies to This Discussion

Permalink Reply by Nana K Agyare on March 14, 2010 at 3:09pm

Try this.

Attachments:

• RPI1.xls, 35 KB

▶ Reply to This

Permalink Reply by David Anyi Sorinye on May 17, 2010 at 2:50pm

Hi Nana,

Please send me an unprotected copy of your template to dsorinye@yahoo.co.uk

▶ Reply to This

Permalink Reply by Faizal Zaki on July 12, 2010 at 10:21pm

Nana, Thank you for sharing.

Regards
Faizal

▶ Reply to This

Permalink Reply by Michael B Muyangana on March 14, 2010 at 9:24pm

Hi Nana,

You are a star! You model really does make sense. You just might have to help me make sure I get this right from the start, from the model you just attached, the income statement charge/expense is a deriviative from the fomular below:


Income statement Charge for the yr = Current yr Balance Sheet provisions - (less) Prior year Balance Sheet provision - (less) Current year General debt provisions


If this is so then the model is pretty straight forward.

I word for a financial institution, a Bank to be specific and would like you to help me out develop a model based on a similar principle that covers provisions raised through the income statement on loan outstandings, provision writebacks (provision reversals), debt repayments on a total portfolio and how this affects the income statement & balance sheet from one year to the next as in the model you provided.

Please let me know if this is possible.

Regards


Michael

▶ Reply to This

Permalink Reply by Peter Kgomotso on April 25, 2010 at 4:18pm

Hi Michael

I developed a similar model for my Employer and was widely received regionally. I'll attach the files from the office tomorrow and do let me know if it's of any help to you.

▶ Reply to This

Permalink Reply by Michael B Muyangana on May 18, 2010 at 12:56am

Hi Peter,

I just read your posting, thanks - I will be grateful to review the file you worked on for your employer.

Regards

▶ Reply to This

Permalink Reply by Michael B Muyangana on May 18, 2010 at 12:57am

Hi Nana,
Did you get some time to look at the impairment model?

▶ Reply to This

Permalink Reply by Nana K Agyare on May 18, 2010 at 4:05am

Hi Mic,
Can we correspond through my mail. I don't know if some of the factors I might ask of you can be disclosed here. If you ok with them being here, let me know if not reply to nagyare2001@yahoo.co.uk

Bye for now.

▶ Reply to This