In a discussion paper released on Monday, the central bank said banks can have their own models to measure expected credit-loss provisions but must independently verify them using sound reasoning and relevant data available with the bank, besides carrying out a proper back-testing to remove bias.
However, RBI may still prescribe a threshold on the provisions on the basis of comprehensive data analysis even after a bank conducts an internal assessment. Currently, banks are mandated to make loan loss provisions based on incurred losses, which till recently, used to be the standard globally. Under the system, banks would provide for the losses incurred.
この記事は Mint Mumbai の January 17, 2023 版に掲載されています。
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この記事は Mint Mumbai の January 17, 2023 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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