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PSBs ready ₹20K-cr war chest for ECL transition
Financial Express Bengaluru
|October 28, 2025
PUBLIC SECTOR BANKS (PSBs) are readying a combined war chest of an estimated %20,000 crore in provisions as they prepare to transition to the Reserve Bank of India’s expected credit loss (ECL)- based provisioning framework from April 1, 2027.
Some lenders have already started front-loading provisions to cushion the impact of the new norms ahead of their rollout.
Punjab National Bank (expects an estimated %9,000crore hit. Most of this impact will stem from “Stage 2” assets — accounts showing elevated risk, but not yet in default — which could trim about 0.85 percentage points off its capital ratio, Reuters reported citing CEO Ashok Chandra.
This story is from the October 28, 2025 edition of Financial Express Bengaluru.
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