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ECL FRAMEWORK
PSBs may lose the edge over private peers as tightening liquidity, rising credit costs may impact growthPublic sector banks' advantage over private lenders is fading. Excess liquidity and low credit costs are diminishing. Liquidity coverage ra...- RBI reviews expected credit loss rules amid concerns over impact on SME credit costsThe Reserve Bank of India is taking a closer look at its credit loss regulations, which may result in higher borrowing costs for small and ...
- Indian banks' profitability to ease this fiscal on lower treasury gains, ECL provisions: CrisilIndian banks will see a slight dip in their return on assets this fiscal. This is due to lower treasury income and early provisions for a n...
- ICICI Bank, AU Small Finance Bank top picks as banking sector gears up for earnings revivalIndia's banking sector is poised for a strong earnings rebound. Profit growth is set to recover significantly over the next two years. Priv...
- Banks' RoA to slip up to 0.15% in FY27 on lower treasury income, ECL provisions: CrisilIndian banks will see a dip in their return on assets this financial year due to less income from investments and banks setting aside money...
- Bank RoA to slip 10-15 bps to 1.15-1.2% this fiscal for 2 reasons: CrisilIndian banks’ RoA is expected to ease to 1.15–1.2% this fiscal from 1.3% last year, driven by lower treasury income and higher pre-emptive ...
- Central Bank to launch GIFT city branch next month: MDCentral Bank of India is set to launch its IFSC Banking Unit at GIFT City next month with an aim to expand its international banking operat...
- Indian banks remain stable despite margin pressure after RBI rate cut: ReportIndian banks are financially stable. Bad loans are under control. Profit margins face pressure from recent interest rate cuts. Banks are fo...
- Net interest margin to fall, Bank of Baroda can look to upsize treasury, wealth businessBank of Baroda anticipates tighter margins this fiscal. Sticky deposit rates and restricted lending rate increases will impact profitabilit...
- Indian banks well-placed to transition to expected credit loss provisioning, Fitch saysIndian banks are well-prepared for the new expected credit loss framework. Fitch Ratings confirms sufficient capitalisation. The framework ...
- CSB Bank cautious on gold loans, focuses on wholesale business, says MD Pralay MondalCSB Bank, a lender backed by Prem Watsa, is adopting a cautious stance on gold loans following global uncertainties. The bank intends to sh...
- CSB Bank cautious on gold loans, focuses on wholesale business, says MD Pralay MondalCSB Bank is turning cautious on gold loans amid price volatility linked to geopolitical tensions. The lender expects slower growth, shiftin...
- 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....
- These 8 private and public banking stocks have an upside of up to 35% in one year, according to analystsThere was a decline in banking stocks during Tuesday’s trading session. The drop came as a reaction to the RBI tightening its bad loan norm...
- ECL norms from April 2027: Indian banks are ready, says Dinesh Kumar KharaIndian banks are set for a major provisioning change with Expected Credit Loss (ECL) norms arriving April 1, 2027. This global shift means ...
- 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...
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