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      "text": "Almost all UK banks are not taking an expert-based approach, with only one bank opting to do this. Of those who are applying an additional expert-based approach to adjusting the ECL estimate, most are applying sector or country macroeconomic variables on specific local portfolios. This methodology is usually determined on a case-by-case basis. One bank has developed models for each major product grouping which utilise historical credit loss data, to produce PDs for each scenario. An overall weighted average PD is used to assist in determining the staging of financial assets and related ECL. The majority of the banks expect expert judgement adjustment to be less than 20% of the total number. We assume that this number can potentially vary in the future, depending on the severity of the economic scenarios, and when specific geo-political events are expected to take place (e.g. referendums, elections).",
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