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* d) Fermentation
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Een van de meest significante veranderingen in IFRS 9 is de manier waarop **kredietverliezen** worden behandeld. Onder IAS 39 werd een 'incurred loss model' gebruikt, wat betekende dat verliezen pas werden erkend als er *bewijs* was van een daadwerkelijk verlies. IFRS 9 introduceert een 'expected credit loss' (ECL) model. Dit houdt in dat bedrijven direct een inschatting moeten maken van de **verwachte kredietverliezen** over de gehele looptijd van een financieel instrument, of over de komende 12 maanden, afhankelijk van de situatie.
