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For the remaining banks a mix of approaches are used - for example one bank is opting for the \"proxy based on state in the transition matrix\". There remains a variance in average lifetime used for the ECL calculation. A wide variance can be seen in the average lifetime used in the calculation of ECL, with a range of one year to beyond ten years. Most banks are using a behavioural approach, looking at historic data and behavioural life of customers. One interesting method noted by a bank is as follows: The bank looks \"at the set of accounts that existed at a specific data and tracked the average number of months until the account closed (to a maximum of eight years). This was considered the lifetime for the segment. The segments with the highest PD had very short remaining life because the accounts in those pools were already delinquent. The highest quality segments had remaining life of approximately five years. 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