RBI–Banks – Page 3 – aniltikotekar4sme.com

*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

How to protect yourself from credit card fraud–[1] first step block the card [2] second step-Raise the complaint right way and note the reference number-for tracking [3] third step-know your liability–reporting within 3 days typically ensures zero liability under RBI Rules–provided there is no negligence [4] Escalate if needed–to Cyber Crime Portal and / or police — Courtesy BS

23 Apr 2026 Anil R Tikotekar

Likely FED chief — know what he feels about inflation and role of politicians–Courtesy BS

23 Apr 2026 Anil R Tikotekar

Frankly I did not know [1] A large and rapidly growing -share of rupee trading happens off shore [2] Major Offshore Centres are Singapore and London [3] Both are beyond RBI’s regulatory reach [4] Singapore alone accounts for $57.6 billion in daily rupee trading whereas London handles about $59.9 billion compared to onshore trading volumes of $70 billion or so [5] In short off-shore trading volumes are substantially higher than on-shore volumes [6] All this means RBI cannot prevent bets agaisnt the rupee by acting only on domestic participants — [7] Other information in the article worth a read– Courtesy BL

23 Apr 2026 Anil R Tikotekar

22 Apr 2026 Anil R Tikotekar

Bank credit outpaces deposit accretion– Courtesy BL

17 Apr 2026 Anil R Tikotekar

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Category: RBI–Banks

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

*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

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

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

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

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

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

Statistical information ?– No it something more — Courtesy BS

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

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

RBI DG asserts the curbs in forex market are temporary– Courtesy BL

MPC deliberations — asserts supply chain shock behind repo rate pause– Courtesy BS

If we want to know why the MPC put a ” pause ” on Repo Rate issue — please go through what the members say– Courtesy BS

Likely FED chief — know what he feels about inflation and role of politicians–Courtesy BS

Bank credit outpaces deposit accretion– Courtesy BL