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Capital Adequacy Regime in India - An Overview

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  • Mandira Sarma

    (Indian Council for Research on International Economic Relations)

  • Yuko Nikaido

Abstract

In this paper we present an analytical review of the capital adequacy regime and the present state of capital to risk-weighted asset ratio (CRAR) of the banking sector in India. In the current regime of Basel I, Indian banking system is performing reasonably well, with an average CRAR of about 12 per cent, which is higher than the internationally accepted level of 8 per cent as well as Indias own minimum regulatory requirement of 9 per cent. As the revised capital adequacy norms, Basel II, are being implemented from March 2008, several issues emerge. We examine these issues from the Indian perspective.

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Bibliographic Info

Paper provided by East Asian Bureau of Economic Research in its series Finance Working Papers with number 22258.

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Date of creation: Jan 2007
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Handle: RePEc:eab:financ:22258

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Related research

Keywords: Capital Adequacy Ratio; Basel I; Basel II; Reserve Bank of India; SMEs lending;

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Cited by:
  1. Sreejata Banerjee, 2012. "Basel I and Basel II Compliance: Issues for Banks in India," Working Papers 2012-068, Madras School of Economics,Chennai,India.

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