Selected Tag: ECL
Selected Tag: ECL

Briefing

Why RBI’s ECL Mandate Puts Banks on a New Prudential Frontier

The new expected credit loss framework signals a shift in RBI’s supervisory philosophy, from reactive cleanup to forward-looking prudential control.

Babuji K

October 25, 2025 at 12:13 PM IST

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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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RBI Loosens the Leash, Banks Must Tighten Risk

India’s new credit freedoms mark a turning point for banks, but the real reform lies in how they recalibrate risk, governance, and talent.

K. Srinivasa Rao

October 8, 2025 at 10:41 AM IST

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Provisioning for Appearances: RBI’s Half-Hearted Tryst with ECL  

Has the RBI truly embraced global best practices, or just adopted them for appearances? India’s half-hearted ECL rollout exposes a deeper discomfort with accountability.

R. Gurumurthy

October 6, 2025 at 4:37 AM IST

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