Selected Tag: ECL
Selected Tag: ECL

ECL Will Require Auditors to Understand the Models Behind the Numbers

ECL will require auditors to challenge models, data, forecasts, and judgement, demanding capabilities that extend beyond conventional accounting.

Rahul Ghosh

August 19, 2026 at 5:46 AM IST

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Via WikiCommons

Indian Banking Needs Better Governance, Not Simply More Regulation

Recent governance and regulatory actions expose deeper weaknesses in banking governance, highlighting the need for stronger expertise, independent assurance and better risk culture.

Rahul Ghosh

August 10, 2026 at 4:26 AM IST

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Fitch Sees Indian Banks Well Prepared for Shift to ECL Regime in 2027

Fitch Ratings said Indian banks are well positioned to absorb the transition to the expected credit loss provisioning framework, aided by stronger capital buffers, healthy profitability and improved asset quality.

BasisPoint Insight

May 7, 2026 at 9:34 AM IST

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Wikicommons

Expected Credit Loss Framework: Reform or Reckoning for Banks?

RBI’s shift to Expected Credit Loss norms pushes banks toward forward-looking risk assessment, aligning with global standards but demanding stronger models, supervision, and a deep cultural shift.

Rahul Ghosh

May 5, 2026 at 6:46 AM IST

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The ECL Framework Can Foster Sustainable Asset Quality

ECL shifts Indian banking to forward-looking provisioning, strengthening resilience and risk pricing, but hinges on data depth, governance rigour, and model discipline.

K. Srinivasa Rao

May 4, 2026 at 9:49 AM IST

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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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The Bureau

UPI & RuPay Payments May Soon Cost You: — Here’s What Could Change
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