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- Title
PROSPECTS OF BASEL III NORMS FOR INDIAN BANKING SECTOR: A CASE STUDY OF SBI.
- Authors
THAKUR, NEHA; SHARMA, REKHA
- Abstract
Basel Norms were first introduced in 1988 in order to strengthen the stability of international banking system by ensuring an adequate level of capital in this system. The purpose was to set up a fair and a consistent international banking system in order to decrease competitive inequality among international banks and thus provide a "level playing field" so that banks could no longer build business volume without adequate capital backing. Basel I norms were introduced in response to in response to the messy liquidation of Cologne-based Herstatt Bank in 1973. Then Basel II norms were introduced with three pillars focusing on aspects like supervision and market discipline apart from the capital requirements. But inspite of these norms the subprime mortgage crisis followed by global recession prompted the G-20 countries to further strengthen the regulatory system for banks and other financial firms. Thus Basel III norms came into being in 2009. The present paper is devoted to the study of Indian Banking Experience with Basel norms as well as the possible impact of upcoming Basel III norms on Indian Banking System. Camel test has been used to analyze the impact of Basel II norms on State Bank of India's Performance and inferences have been drawn thereof to ascertain the possible impact of Basel III norms on India's Banking System.
- Subjects
INDIA; STATE Bank of India; BASEL III (2010); BANKING industry; ECONOMIC competition
- Publication
CLEAR International Journal of Research in Commerce & Management, 2015, Vol 6, Issue 4, p40
- ISSN
2249-4561
- Publication type
Case Study