Migration analysis is a rigorous analytical process recommended by regulatory agencies to determine a bank's ALLL; yet it is underutilized. While migration analysis is more granular than a historical loss rate analysis, it's not perfect for every bank's loss provision calculation.
Download this whitepaper to find out what some of the problems with migration analysis may be, as well as some of the benefits.
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I know I can improve my ALLL process; I’d like to speak with an ALLL specialist.