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Basel III and its implementation

This paper examines the new elements of Basel III accord and its implementation stages with special reference to India. By focusing on strict capital regulation Basel III has introduced higher capital ratios, new buffers and leverage ratio framework which enhances risk management practices and make banking sector robust and shock absorbent. | Basel III and its implementation International Journal of Management INTERNATIONAL IJM ISSN 0976 JOURNAL 6502 Print ISSN 0976 IJM OF MANAGEMENT - 6510 Online Volume 6 Issue 5 May 2015 pp. 18-24 IAEME ISSN 0976-6502 Print ISSN 0976-6510 Online IJM Volume 6 Issue 5 May 2015 pp. 18-24 IAEME http www.iaeme.com IJM.asp IAEME Journal Impact Factor 2015 7.9270 Calculated by GISI www.jifactor.com BASEL III AND ITS IMPLEMENTATION Dr. Manisha Assistant.Prof. Department of Management Studies DeenbandhuChottuRam University of Science amp Technology Murthal Sonipat Haryana Mrs. Kaveri Hans Research Scholar Department of Management Studies DeenbandhuChottuRam University of Science amp Technology Murthal Sonipat Haryana ABSTRACT For any business profits are the important element but for banking business safety and being solvent are foremost. Since banking is that business which deals with depositor s money so the protection of depositor s money is important. To safeguard their interest capital regulation came into picture. Basel accords are those guidelines which instruct banks to back up their risk with capital. Adequate capital adds cushion to bank s failure and ensures depositors safety of their money. Basel III is the third accord and provides stricter approach towards managing risk and capital. RBI has also implemented these norms for Indian banks. This paper examines the new elements of Basel III accord and its implementation stages with special reference to India. By focusing on strict capital regulation Basel III has introduced higher capital ratios new buffers and leverage ratio framework which enhances risk management practices and make banking sector robust and shock absorbent. Keywords Banks Capital Regulation Basel Norms Risk. INTRODUCTION In 1969 a revolutionary step was undertaken in Indian banking industry to nationalised 14 largest banks which constitute more than 85 of bank deposits in the country. The main motive behind this step was to facilitate the .