Together, they push the sector decisively toward global best practices in credit risk modeling, provisioning discipline, and Under the proposed ECL regime, all scheduled commercial banks will transition to a model-based provisioning system from April 2027, with a phased glide path through FY2032.The framework introduces a three-stage classification of assets—performing, underperforming, and credit-impaired—alongside model-driven provisioning anchored in probability of default (PD), loss given default (LGD) ...

State Bank of India expects a limited impact from a shift to the expected credit loss (ECL) framework, citing the long transition period under the proposed norms that would increase provisioning against stressed loans for lenders. "We are technologically ready for ECL guidelines in terms of models and all, but just some adjustments are required based on the final guidelines," C.S. Setty, chairman at India’s largest bank by assets, told reporters on the sidelines of Global Fintech Fest in Mumbai on Wednesday ...

Speaking to ET Now, Tonse said that rate transmission has already played out significantly in the banking system. “On the asset side, the adjustment happens almost instantly. On the deposit side, we have limitations, but since February we have seen more than 106 basis points transmission on fresh deposits and about 22 basis points on overall deposits,” he noted.He further added that SBI expects the terminal Busy season demand boostTonse highlighted that the traditional busy season is setting in earlier thi ...

文章核心观点 - 印度银行业资本充足且已为巴塞尔III标准的实施做好充分准备，预计2027年4月的过渡期是可行且实际的 [8] - 预期信用损失框架和巴塞尔III的采纳将标志着印度银行业进入一个更具韧性和全球一体化的新阶段 [7][8] 货币政策与流动性 - 印度储备银行保持政策回购利率稳定在5.5%并采取中性立场和观望态度 [5][8] - 现金准备金率放松将释放约2.5万亿卢比的流动性以支持信贷增长 [8] - 货币政策传导方面，新贷款的利率已传导约58个基点，其中近几个月实现21个基点 [1][8] - 存款利率已上升106个基点，反映出存贷款利率正在逐步对齐 [1][8] 银行业状况与监管准备 - 银行业覆盖比率处于健康水平，为潜在信贷风险提供了充足的缓冲 [1][8] - 印度银行业经过近年重大整顿后，资产质量改善、资本比率健康、盈利能力强劲 [7][8] - 向巴塞尔III过渡将增强银行筹集外资的能力并巩固其整体资本基础，2027年前的额外准备时间将使系统更强大 [5][6][8] - 这一转型将提振投资者信心，并使印度银行业更紧密地对接全球监管标准 [6][8] 信贷增长前景 - 现金准备金率新规释放的流动性与企业收购融资的便利条款，预计将提振繁忙季节的企业信贷需求 [8] - 信贷增长轨迹将取决于实体经济中与关税相关的挑战如何展开 [2][8]