New Delhi, May 4 -- State-owned Central Bank of India does not expect any significant impact from the Reserve Bank of India's expected credit loss (ECL) framework, managing director and CEO Kalyan Kumar said, citing adequate provisioning buffers.

Under the ECL framework, banks will move from an "incurred loss" approach to a forward-looking, risk-based provisioning model, replacing the current overdue ageing-based system. Loans will be classified into three stages based on credit risk - stage 1 (low risk), stage 2 (significant increase in credit risk), and stage 3 (credit impaired).

"We are very conscious about the transition. For stage 1 and stage 2 assets, we have already made provisions of Rs.1,525 crore, apart from maintaining 100% p...