Capital Adequacy Regime in India: An Overview
AbstractIn this paper 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 has been presented. 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 India’s 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. These issues from the Indian perspective has been examined.[Working Paper No. 196]
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Capital Adequacy Ratio; Basel I; Basel II; Reserve Bank of India; SMEs lending;
Other versions of this item:
- G20 - Financial Economics - - Financial Institutions and Services - - - General
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
This paper has been announced in the following NEP Reports:
- NEP-ALL-2010-06-26 (All new papers)
- NEP-BAN-2010-06-26 (Banking)
- NEP-CWA-2010-06-26 (Central & Western Asia)
- NEP-RMG-2010-06-26 (Risk Management)
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- 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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