“You Can’t Arbitrarily Cut Deposit Rates”
The ECL guidelines will be implemented from April 1, 2027 onwards only. Even for the implementation also, another five-year period RBI has given. But in reality, what happens is, as such, our capital adequacy is 17.74 per cent against the regulatory requirement of 11.5 per cent. Punjab National Bank, the country's second-largest state-owned lender, is sharpening its focus on retail,…
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