RBI–Banks – aniltikotekar4sme.com

BoM has scored well above almost all the big banks in terms of various financial metrics consistently over period of over 4 years — Excerpts from an article in BL by Mr Rangarajan– Former Chairman of EAC and former Governor of RBI.

14 May 2026 Anil R Tikotekar

RBI DG–[1]India is habitually described as consumption driven economy but investment’s contribution to growth is routinely undercounted or ignored [2] Capacity utilisation at around 75% strongly suggests growth peotential is high. –Courtesy BS

10 May 2026 Anil R Tikotekar

[1] 100% credit guarantee coverage to MSMEs-and 90% to non MSMEs as well as the airlines sector [2] 18100 crore provided for [3] For MSMEs support will be upto 20% of peak working capital utilized during Q4 FY 26 with a maximum of 100 crores. [4] Tenor of such loan 5 years for MSMEs and non MSMEs. [5] For Airlines–read the news items–Courtsey BL

6 May 2026 Anil R Tikotekar

*RBI explores steps to mobilise dollar inflows amid rising pressure on rupee | Finance News – Business Standard

4 May 2026 Anil R Tikotekar

Clipped from: https://www.business-standard.com/finance/news/rbi-explores-steps-to-mobilise-dollar-inflows-amid-rising-pressure-on-rupee-126050400687_1.html The war ‌between the US, Israel and Iran – now in its third month – has weakened the Indian currency, adding to a

IBA taps tech providers to frame AI-risk checklist for banks – Banking & Finance News | The Financial Express

4 May 2026 Anil R Tikotekar

Clipped from: https://www.financialexpress.com/business/banking-finance/iba-taps-tech-providers-to-frame-ai-risk-checklist-for-banks/4223761/ The Indian Banks’ Association (IBA) is developing a structured checklist to help banks mitigate risks from autonomous and adversarial AI systems. The Indian Bank‘s

Hit because of proposed ECL regime — palatable? [2] Likely because of Potential goldmine –[3] SCB pool of GNPA 4,19,099 crore –March 2025 [4] Pool of TWO accounts estimated to be at least double the GNPA amount [5] If short on time -please refer to marked portion– Courtesy BusinessLine

4 May 2026 Anil R Tikotekar

*****Banks not probe agencies, can’t freeze accounts arbitrarily: Allahabad HC | India News – Business Standard

2 May 2026 Anil R Tikotekar

Clipped from: https://www.business-standard.com/india-news/banks-not-probe-agencies-can-t-freeze-accounts-arbitrarily-allahabad-hc-126050101082_1.html A division bench of Justice Shekhar B Saraf and Justice Avadhesh Kumar Chaudhary imposed a cost of ₹50,000 on Indian Overseas Bank for

Why experts caution that there could be more pain ahead for the rupee – BusinessToday

2 May 2026 Anil R Tikotekar

Clipped from: https://www.businesstoday.in/magazine/deep-dive/story/why-experts-caution-that-there-could-be-more-pain-ahead-for-the-rupee-527827-2026-04-28 The rupee may have recovered from its record low of 95 to the dollar, but experts caution that there could be more pain

*RBI’s ECL norms may cause up to 120 bps one-time hit for banks: Crisil – The HinduBusinessLine

1 May 2026 Anil R Tikotekar

Clipped from: https://www.thehindubusinessline.com/money-and-banking/rbis-ecl-norms-may-cause-up-to-120-bps-one-time-hit-for-banks-crisil/article70927561.ece Crisil said banks would be allowed to spread the impact over four financial years, while additional provisioning buffers could further mitigate the hit

*Why gold loans have often shown lower stress than unsecured retail credit? Article by RBI DG Mr Swaminathan J –[2] to understand full significance , we must read entire article–Courtesy BusinessLine

1 May 2026 Anil R Tikotekar

*****Advice from RBI DG Mr Swaminathan J-Courte y BL

1 May 2026 Anil R Tikotekar

Clipped from: https://www.thehindubusinessline.com/news/banking-built-on-judgment-and-not-just-models-says-rbi-deputy-guv/article70924422.ece His lecture tied in three strands together — theory, practice, and supervision — to argue that finance must ultimately serve a public purpose

RBI DG Mr Swaminathan–Digitisation of banking makes a lot of things easier but also brings new questions to the fore around fair treatment of customers, clear accountability and assessment of new risks. “These questions cannot be answered by technology alone; they require judgment,” –Courtesy BL

1 May 2026 Anil R Tikotekar

*****New credit loss norm could hurt – The HinduBusinessLine

1 May 2026 Anil R Tikotekar

Clipped from: https://www.thehindubusinessline.com/opinion/new-credit-loss-norm-could-hurt/article70925762.ece The ECL rules risk exclusion of capable, asset-light borrowers — favouring weaker borrowers with collateral For decades Indian banks managed bad loans under

UCBs–Aggregate Unsecured loan limits @2O% of its total loans [2] Individuals limits also set -Tier wise — Effective 1.10.2026– Courtesy BS

30 Apr 2026 Anil R Tikotekar

What are RBI’s new directives on bad loan recognition? How will they impact banks? – BusinessToday

28 Apr 2026 Anil R Tikotekar

Clipped from: https://www.businesstoday.in/latest/corporate/story/bt-explainer-what-are-rbis-new-directives-on-bad-loan-recognition-how-will-they-impact-banks-527874-2026-04-28 The RBI, on April 27, released final directions related to how banks classify assets, how lenders provision for it as well as the

Corporate Credit cards issued under joint liability structure-RBI clarifies — [1] Overdue reporting and asset classification– will be applicable only for the corporate entity [2] Past due label only when a credit card account remains past due for more than three days [3] Such period to be computed from payment due date mentioned in the credit card statement CourtesyBS–

28 Apr 2026 Anil R Tikotekar

एक वेगळी सुविधा बँक ऑफ बडोदा –ज्येष्ठ नागरिकांसाठी देत आहे —- सविस्तर माहिती — घेणे गरजेचे–

26 Apr 2026 Anil R Tikotekar

Statistical information ?– No it something more — Courtesy BS

25 Apr 2026 Anil R Tikotekar

RBI Guv — speaking at an event in New York—asserts [1] India’s forex reserves provided cover for imports of 11 months [2] and around 92% of the external debt outstanding as at end of December 25 — Courtesy BS

24 Apr 2026 Anil R Tikotekar

*Fed Watch: Change of guard at US cenbank will have implications for markets

24 Apr 2026 Anil R Tikotekar

Clipped from: https://www.business-standard.com/opinion/editorial/fed-watch-change-of-guard-at-us-cenbank-will-have-implications-for-markets-126042301441_1.html A leadership shift at the US Fed amid political pressure and policy debates could test central bank independence and shape global financial stability

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