Selected Tag: Basel
Selected Tag: Basel

When Collateral Isn’t Enough: Why ECL Could Redefine Indian Banking

The Expected Credit Loss regime may finally end India’s collateral-first mindset, forcing banks to forecast risk instead of discovering it too late.

Rahul Ghosh

October 23, 2025 at 7:03 AM IST

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Inside RBI’s Basel III Credit Risk Overhaul

RBI’s alignment to Basel-III capital requirement norms will free up more money to be lent to MSMSEs and NBFCs.

Rahul Ghosh

October 13, 2025 at 8:37 AM IST

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Basel Guardrails must Balance Stability, Innovation for NBFCs

India’s NBFCs need Basel guardrails that ensure resilience without choking innovation. Proportionality and clarity hold the key.

Babuji K

September 30, 2025 at 1:13 PM IST

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Wladyslaw Sojka/Via Wikicommons

Why Indian Banks Need Risk-Based Capital Charge Mechanism

The three largest banks worldwide, excluding China, consume significantly lower levels of capital than India’s three largest banks.*

Rahul Ghosh

September 18, 2025 at 6:12 AM IST

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Why Indian Banks Are Piling Capital Faster Than Assets Can Keep Up

Indian banks are stockpiling capital at a breakneck pace. Strong profits help, but can this momentum sustain if India aims to double its credit-to-GDP?*

Rahul Ghosh

September 5, 2025 at 9:07 AM IST

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RBI Must Not Outsource the Craft of Supervision

Outsourcing bank supervision to consultants risks turning judgment into checklists. RBI should modernise without losing its supervisory wisdom.

R. Gurumurthy

September 4, 2025 at 12:50 PM IST

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Indian Banks’ Capital Comfort to Face Twin Challenges 

Can Indian banks sustain their capital strength once Basel’s Pillar-II and IND-AS 109 start demanding more?*

Rahul Ghosh

August 29, 2025 at 2:53 PM IST

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Wladyslaw/ Via Wikicommon

Regulatory Dialectics And The Purpose Of Financial Regulation

Bank regulations meant to prevent bank failures often risk becoming counterproductive. The Titanic analogy might be apt—but it's the Eastland syndrome we should be worried about.

R. Gurumurthy

April 9, 2025 at 4:17 AM IST

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