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DRAFT ECL FRAMEWORK
Coal India, CESC and other power stocks: JM Financial analyst explains impact of Bengal electionsJM Financial views the West Bengal election outcome as a potential boost for power sector governance, driven by expectations of reform unde...- RBI's ECL norms may cause up to 120 bps one-time hit for banks: CrisilReserve Bank of India's (RBI) proposed shift to an expected credit loss (ECL) framework could lead to a one-time net impact of up to 120 ba...
- ECL norms: PSU banks face higher hit, private banks with contingent buffers better placed: Punit BahlaniThe Reserve Bank of India's new Expected Credit Loss framework presents a recurring drag on bank profitability, not a one-time capital hit....
- PSU bank stocks fall up to 3%. How RBI’s ECL directions can impact lendersPSU bank stocks fell up to 3% on Tuesday after RBI confirmed the rollout of the Expected Credit Loss (ECL) framework from April 2027, trigg...
- Expected credit loss rules: New provisioning framework to come into force in April 2027The new ECL guidelines would introduce a "staging framework" for asset classification under the ECL approach, replacing the existing incurr...
- RBI declines pleas for more time, ECL to be effective from April 2027The Reserve Bank of India will implement a new Expected Credit Loss provisioning system from April 1, 2025. Banks must adopt this proactive...
- Banks seek more talks on ECL norms for crop loansLenders have argued that the Stage 2 classification of crop loans should be linked to the crop season and pitched a classification similar ...
- Banks frontload provisions to be fit for ECL daysBanks are proactively setting aside extra funds. This is in preparation for a new expected credit loss framework starting in 2027. Some len...
- Muhurat Trading: PNB shares in focus after company flags Rs 9,000 crore hit from RBI credit loss rulesPunjab National Bank expects a Rs 9,000 crore impact from RBI’s new expected credit loss (ECL) framework by 2031. The bank can absorb provi...
- RBI’s Octoberfest: Cheers to new regulationsA deep dive into RBI’s October 2025 policy and its blueprint for banking resilience through the ECL framework, Basel III, and beyond
- RBI reform plans to strengthen bank operating environment, boost credit flow: Rating agenciesGlobal rating agencies S&P and Fitch have welcomed the RBI's reform package, stating it will strengthen the banking operating environment a...
- Shift to new provisioning ways to have little impact: SBI chairman CS SettyNew banking rules for credit loss provisions will have limited impact. The Reserve Bank of India has proposed a phased implementation start...
- ET MSME Awards 2025: Banks may now bet on your future, not your pastThe RBI's Expected Credit Loss model flips lending logic. But will India's 66 million-plus MSMEs see easier money or tighter scrutiny?
- India's long transition period for credit loss norms to ease impact on banks: SBI chief C S SettyReserve Bank of India's new credit risk rules and expected credit loss framework will not greatly affect bank balance sheets. State Bank of...
- RBI proposes changes to credit risk rules for lendersThe Reserve Bank of India is proposing significant changes to how banks assess loan risks and set aside funds for potential losses. These a...
- RBI proposes four big measures to boost India's banking systemThe RBI proposed significant reforms to bolster India's banking sector, introducing risk-based deposit insurance premiums and an Expected C...
- RBI to harmonise loan income recognition rules and review lending practicesReserve Bank of India will harmonize loan regulations. This will bring uniformity across lenders. RBI plans a review of non-fund based faci...
- RBI Governor Sanjay Malhotra relieves banks' anxiety as new norms delayed at least till FY26Governor Sanjay Malhotra assured that new RBI norms on liquidity coverage ratio, project finance provisioning, and expected credit loss wil...
- Final guidelines on project loans likely in 2-3 months: RBI officialThe final guidelines for project loans are expected to be announced in the next two to three months, according to a senior RBI official. Th...
- RBI forms working group to find framework for transition to credit-loss based provisioning systemThe Reserve Bank of India has established a working group to propose a framework for a smoother transition to the expected credit loss-base...
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