Reserve Bank of India (RBI) ne bade banks aur international operations waale lenders ke liye naye 'SA-CCR' norms laagu kar diye hain. Ab **April 1, 2027** tak in rules ko follow karna mandatory hai.
Naya Framework aur Target
RBI ne saaf kar diya hai ki jin banks ka derivative portfolio ₹25,000 Crore se zyada hai, unhe ab 'Standardised Approach for Counterparty Credit Risk' (SA-CCR) adopt karna hoga. Ye कदम global 'Basel III' standards ke hisaab se bank ki stability badhane ke liye uthaya gaya hai. Chote banks ke paas filhal purane 'Current Exposure Method' ka option khula hai.
Leverage Ratio par RBI ki Strictness
Global Systemically Important Banks (G-SIBs) ki Indian branches ko ab kam se kam 3.5% ka Leverage Ratio maintain karna hoga. Industry players ne isme thodi dheel maangi thi, par RBI ne saaf mana kar diya. Sabse badi baat ye hai ki ab banks 'collateral' ko hata kar apne exposure ko kam nahi dikha payenge, jisse banks ko zyada capital sambhaal kar rakhna padega.
Investors ke liye kya matlab hai?
- Reporting: Ab har quarter ke end mein data 'Centralised Information Management System' par dena hoga.
- Capital Pressure: Complex derivative books waale banks par capital ka dabav badh sakta hai, jisse unke profit margin par thoda asar padne ki ummeed hai.
- Strategy: Banks ko ab apna capital bahut soch-samajh kar allocate karna hoga.
Halanki Indian banking sector ki position abhi strong hai, par 2027 tak banks ko apni internal derivative desks mein kaafi changes karne honge.