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RBI lets banks count more quarterly profits by removing NPA-linked restriction

RBI lets banks count more quarterly profits by removing NPA-linked restriction

The RBI has updated rules on how banks calculate capital strength by changing what portion of quarterly profits can be included. The regulator removed a prior condition that linked this inclusion to NPA-linked bad loan provisions. Supporters say it improves capital reporting flexibility, while critics may ask how it affects risk discipline and transparency for lenders.

Summarised by Beize from a story on Republic on 9 May 2026
Suryoday Small Finance Bank Q4 profit jumps to Rs 49 crore as bad loans fall

Suryoday Small Finance Bank Q4 profit jumps to Rs 49 crore as bad loans fall

Suryoday Small Finance Bank posted Q4 profit of Rs 49 crore, signaling a turnaround driven by higher operating profit and improved profitability. The lender also reported annual profit growth and reduced its gross non-performing assets ratio, pointing to better asset quality. Overall, its year performance strengthened as financial metrics improved across the board.

Summarised by Beize from a story on The Economic Times on 7 May 2026

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Indian Overseas Bank Q4 profit jumps 43% as provisions fall and asset quality improves

Indian Overseas Bank Q4 profit jumps 43% as provisions fall and asset quality improves

Indian Overseas Bank’s Q4 net profit surged 43% to Rs 1,505 crore, helped by lower provisions and tax expenses. While pre-provision operating profit stayed flat due to treasury losses, asset quality improved, with the NPA ratio declining. The bank also recorded a 56% jump in annual net profit, signaling better overall performance beyond one quarter.

Summarised by Beize from a story on The Economic Times on 29 Apr 2026
Dhanlaxmi Bank profit jumps 50 percent to 43.5 crore in Q4 as NPA falls

Dhanlaxmi Bank profit jumps 50 percent to 43.5 crore in Q4 as NPA falls

Dhanlaxmi Bank reported a 50% jump in Q4 FY26 net profit to ₹43.5 crore, supported by operating profit of ₹113.7 crore. The Kerala-based lender also improved asset quality, cutting its gross NPA ratio to 1.9% from 2.9% a year earlier, signaling a faster turnaround in balance-sheet health.

Summarised by Beize from a story on The Economic Times on 29 Apr 2026
RBI to shift credit loss rules to staging framework in April 2027

RBI to shift credit loss rules to staging framework in April 2027

The RBI plans to overhaul expected credit loss provisioning by introducing a staging framework for classifying assets under the ECL approach, moving away from the current incurred-loss based model. The central bank also clarified it will keep the existing 90 day overdue threshold for identifying non-performing assets, easing fears of a full rewrite of NPA rules.

Summarised by Beize from a story on The Economic Times on 27 Apr 2026
RBI sticks to April 2025 ECL rollout as banks shift from loss based provisioning

RBI sticks to April 2025 ECL rollout as banks shift from loss based provisioning

The Reserve Bank of India will introduce the Expected Credit Loss (ECL) provisioning framework starting April 1, 2025, requiring banks to move from loss based provisioning to a more proactive approach. RBI has outlined transition measures to support implementation and has clarified that Non-Performing Asset classification will remain unchanged, even as banks adjust credit cost recognition.

Summarised by Beize from a story on The Economic Times on 27 Apr 2026

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Crisil Sees Indian Banks Keeping Gross NPA Range 2 0 to 2 2 by March 2027

Crisil Sees Indian Banks Keeping Gross NPA Range 2 0 to 2 2 by March 2027

Crisil Ratings says Indian banks should keep asset quality largely stable, with gross NPAs expected to remain between 2.0% and 2.2% by March 2027. That would be only slightly above the projected historic low of 2.0% in March 2026. Resilience is driven by stronger corporate balance sheets, while MSMEs face pressure amid the West Asia conflict.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
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