Capital Adequacy Regime in India: An Overview

Mandira Sarma and Yuko Nikaido ()

Working Papers from eSocialSciences

Abstract: In 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]

Keywords: Capital Adequacy Ratio; Basel I; Basel II; Reserve Bank of India; SMEs lending (search for similar items in EconPapers)
Date: 2010-06
New Economics Papers: this item is included in nep-ban, nep-cwa and nep-rmg
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Working Paper: Capital Adequacy Regime in India - An Overview (2007)
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