The Reserve Bank of India’s (RBI) direction to banks to move from the incurred loss provisioning model to expected credit loss (ECL) will impact microfinance loan-focused banks the most, experts say.

Lenders with high exposure to the MSME or the unsecured segment are likely to face near-term pressure in terms of provisioning and CET-1 ratios due to the draft expected credit loss (ECL) framework, ...

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NEW YORK, Oct. 7, 2025 /PRNewswire/ -- AlphaSense, the AI platform redefining market intelligence for the business and financial world, today announced at its AlphaSummit customer conference the ...

Stephen Simpson, CFA, has 15+ years of experience in financial publishing and editing. He is the operator of the Kratisto Investing blog. Michael Boyle is an experienced financial professional with ...

Shift from incurred loss to expected credit loss model from FY28 to FY31 to impact mid-sized and retail-heavy lenders the most The Reserve Bank of India’s (RBI) transition from the incurred loss ...

The Expected Credit Loss (ECL) framework of provisioning for bad loans, with prudential floors, is proposed to kick in from April 1, 2027, the Reserve Bank of India (RBI) Governor Sanjay Malhotra said ...

Carol M. Kopp edits features on a wide range of subjects for Investopedia, including investing, personal finance, retirement planning, taxes, business management, and career development. Michael Boyle ...

Nasdaq provides visual representation of analyst expected earnings growth. Read our earnings report guide before you consider the forecast information when making investment decisions. Visit the ...

“Good regulation is not about more rules, but about better rules.”— Andrew Sheng There was significant anticipation in the banking sector ahead of the Reserve Bank of India’s (RBI) October 2025 policy ...

RBI to adopt Expected Credit Loss (ECL) model by April 2027 Banks well-positioned to absorb credit cost changes Reforms align India’s banking norms with global standards “Larger banks with solid ...