Risk Management Association of India
Global body dedicated to education, research and development on Risk Management
The RBI regularly issues directions, circulars, frameworks and regulatory guidance covering the major risks faced by banks and financial institutions. These regulatory documents influence several important areas of banking operations, including: Credit appraisal and monitoring Loan classification and provisioning Capital Read More …
Indian banks are moving away from the incurred loss model and adopting ECL based provisioning, a forward looking approach to recognising credit losses on financial instruments. This shift, anchored in Chapter III of the new provisioning framework, changes not just Read More …
Expected Credit Loss (ECL) frameworks have become a cornerstone of modern banking risk management, especially under IFRS 9 and similar accounting standards. ECL is designed to quantify potential losses on loans and credit exposures before they actually materialize. While much Read More …