RBI ne 12 November ko bank CEOs ke saath ek high-stakes meeting bulayi hai. Ismein naye 'Expected Credit Loss' (ECL) framework par charcha hogi jo banking system mein ek bada badlav lane wala hai.
RBI ne 12 November ko sabhi top bank CEOs ke saath ek meeting schedule ki hai. Ye meeting naye Expected Credit Loss (ECL) framework ke liye taiyari hai, jo officially 1 April 2027 se lagu hoga.
Kya badal raha hai?
Abhi tak banks 'incurred-loss' model use karte hain, jiska matlab hai ki loan default hone ke baad hi paisa side mein rakha jata hai. Lekin naye ECL system mein, banks ko potential future losses ka pehle hi anuman lagakar provision karna hoga.
Profit par asar aur transition plan
Investors ko dar hai ki isse banks ki profitability aur Common Equity Tier 1 (CET1) capital par asar pad sakta hai. Kyunki banks ko ab risky assets ke liye zyada paisa reserve mein rakhna padega, isliye RBI ne 4 saal ka buffer diya hai taaki balance sheet par ekdum se load na pade. Ye transition 31 March 2031 tak chalega.
SBI ka example
Example ke liye, State Bank of India (SBI) ne bataya hai ki unpar iska impact lagbhag ₹19,500 Crore tak ho sakta hai, jo unki net worth ka 3% hai. Lekin chinta ki baat nahi hai kyunki ye impact dherre-dheere spread hoga.
Investors ke liye update
Agli kuch quarters mein ye zaroor dekhein ki banks kaise apne data systems ko upgrade kar rahe hain. Jo banks is complex calculation ko bina zyada profit impact ke manage kar lenge, wahi lambi race ke ghode honge.