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ECL NORMS
US economy remains strong, India must accelerate reforms and AI adoption: Ajay SrivastavaMarket veteran Ajay Srivastava highlights the U.S. economy's robust performance, contrasting it with Indian investors' perceptions. He emph...- 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...
- 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...
- Foreign investors continue to pull out from financials in first half of MayForeign investors continued to divest from Indian financials in early May, withdrawing ₹17,960 crore due to concerns over tighter banking m...
- 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...
- SBI margins drag PSU banks, but private banks set for comeback: Pranav Gundlapalle, BernsteinState Bank of India's margin drop was a key event. Analysts suggest the worst may be over for banks. Private sector banks are expected to p...
- As India grows richer, banks will have to adjust to thinner margins: Indian Bank CEOIndian Bank's chief Binod Kumar expects interest rates to rise and net interest margins to fall as India develops. He plans to raise capita...
- 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...
- Smallcaps continue to draw domestic flows, stock selection key: Sandip SabharwalIndian equity markets show resilience post-election results. Market expert Sandip Sabharwal notes that governance and policy continuity are...
- 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....
- Downside growth risks outweigh inflation concerns, RBI likely to hold rates this fiscal: CrisilThe Reserve Bank of India's Monetary Policy Committee is expected to hold interest rates steady this fiscal year. Economic growth concerns ...
- 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...
- 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 ...
- 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...
- ECL Provisioning: The prep and the aftermathThe ECL approach will require banks to increase provisions by 20-40%, largely on account of higher regulatory backstop compared with the IR...
- Small banks may need to boost provisioning: AnalystsEven as most banks have strengthened capital buffers post Covid-19, expected credit loss (ECL)-based norms could release existing provision...
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