📝 One-liners · 65 cards
Risks in Banking Business
What is the additional run-off rate on retail deposits via internet/mobile banking under revised RBI LCR framework effective April 1, 2026?
2.5% additional run-off rate on retail and small-business deposits through internet and mobile banking channels.
When does Basel III Standardised Approach for Credit Risk become effective for Scheduled Commercial Banks under RBI?
April 1, 2027 under RBI (Commercial Banks — Capital Charge for Credit Risk — Standardised Approach) Directions, 2026.
Which bank categories are EXEMPT from Basel III Standardised Approach for Credit Risk effective April 1, 2027?
SFBs, Payment Banks, and RRBs are excluded from the framework.
What ILM value applies to banks with Business Indicator below ₹8,000 crore under Operational Risk SMA?
ILM is set to 1 for banks below ₹8,000 crore Business Indicator or with inadequate loss data.
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