Basel Accord and Indian Banking Industry PDF Download

Author: Dr. G. Raju
Publisher: Lulu.com
ISBN: 1387927698
Category :
Languages : en
Pages : 266

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Author:
Publisher: Lulu.com
ISBN: 9291316695
Category : Bank capital
Languages : en
Pages : 294

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Author: Prajakta Prabhune
Publisher:
ISBN: 9781520244587
Category :
Languages : en
Pages : 386

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Book Description
Risk Management in Indian Banking Sector is a Riskpro Publication and a comprehensive reference for the Indian Banking industry, covering various aspects of Risk and Compliance. This useful guide emphasize on Basel III Compliance, Capital Adequacy, derivatives, liquidity analysis, market risk, structured products, credit risk, securitizations etc. This is one of the foremost books written by the Industry expert in the BASEL III Compliance

Author: Charles Goodhart
Publisher: Cambridge University Press
ISBN: 1139499386
Category : Business & Economics
Languages : en
Pages : 619

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Book Description
The Basel Committee on Banking Supervision (BCBS) sets the guidelines for world-wide regulation of banks. It is the forum for agreeing international regulation on the conduct of banking. Based on special access to the archives of the BCBS and interviews with many of its key players, this book tells the story of the early years of the Committee from its foundation in 1974/5 right through until 1997 - the year that marks the watershed between the Basel I Accord on Capital Adequacy and the start of work on Basel II. In addition, the book covers the Concordat, the Market Risk Amendment, the Core Principles of Banking and all other facets of the work of the BCBS. While the book is primarily a record of the history of the BCBS, it also provides an assessment of its actions and efficacy. It is a major contribution to the historical record on banking supervision.

Author: R. K. Uppal
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 296

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Book Description
ABOUT THE BOOK Banking sector reforms in India are aimed at induction of best international practices and technological changes for competing globally. The Reserve Bank of India (RBI) has time and again emphasised transparency, diversification of ownership and strong corporate governance to mitigate the prospects of systemic risks in the banking sector. Banking sector reforms have supported the transition of the Indian economy to a higher growth path, while significantly improving the stability of the financial system. In comparison with the pre-reform period, the Indian banking system today is more stable and efficient. However, the gains of the past decade need to be consolidated, so that these could be translated to drive the institutions, markets and practices into a mature financial system that can meet the challenges of globalisation. The banking system would, therefore, not only need to be stable, but also supportive of still higher levels of planned investments by channelling financial resources more efficiently from surplus to deficit sectors. Competitive pressures as well as prudential regulatory requirements have made banks risk-averse as reflected in their tendency to investment in relatively risk-free gilt instruments. The behaviour and strategies of banking business need changes in favour of risk-taking even while performing core activities. Also, there is a need to ensure long-term finance to support development and growth in the economy, even as restructuring takes place through mergers and universal banking. The present book addresses issues like Basel ? II Accord guidelines, second generation banking sector reforms, cost-benefit and productivity analysis of Indian banks, danger zone banks, privatisation and comparative efficiency of Indian banks and the recent reform measures. Vital statistics regarding the Indian banking sector and the recent Annual Policy Statement, 2008-09 of the RBI has also been discussed. About the author Dr. R.K. Uppal did his M.A. in economics from Punjabi University, Patiala in 1986. Thereafter, he obtained M.Phil. degree from MDU, Rohtak in 1987 and Ph.D. degree from Punjabi University, Patiala in 2003. Specialising in banking and finance, Dr. Uppal has 11 books to his credit and has published 40 research papers on the subject in reputed national and international journals. He has also presented more than 35 research papers in national and international conferences in Hawaii, Indonesia, Finland, Costa Rica, Australia, London and the UK. Presently, he is head of the Department of Economics, DAV College, Malout, Punjab and Principal Investigator of a UGC-financed research project on Indian banking. He is also Director of an ICSSR sponsored major research project on Indian banking.

Author: Rohit Gupta
Publisher:
ISBN:
Category :
Languages : en
Pages :

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Book Description
The Basel III framework was introduced by the Bank for International Settlements (BIS after the 2008 financial crisis which revealed the shortcomings of the Basel II norms. All the countries are supposed to implement Basel III norms by March 2019. The Basel Committee has recognized that the capital adequacy of banks plays a critical role in banks' failure and has increased the total capital adequacy to 9%, of which Tier I capital is 7% and Tier II capital is 2%. Other than this, a countercyclical buffer has also been introduced, the implementation of which will start from 2015. The higher capital requirements are expected to raise certain challenges for the developing nations like India. The paper first analyzes the current situation of the Indian banks by classifying the banks into public sector banks and private sector banks, new banks and old banks, and domestic banks and MNCs, and then compares the results in each category. The paper then discusses that even though the Central Bank has done a great job in maintaining the capital adequacy, it does not necessarily imply that the banks are safe because despite adequate capital, banks can fail. The paper also discusses that it would not be easy for the banks to maintain capital adequacy once the countercyclical buffer requirements kick in. As the Government of India is the majority stakeholder in the public sector banks, the higher capital requirements could also impact the Indian economy negatively.

Author: Vanessa Le Leslé
Publisher: International Monetary Fund
ISBN: 1475502656
Category : Business & Economics
Languages : en
Pages : 50

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Book Description
In this paper, we provide an overview of the concerns surrounding the variations in the calculation of risk-weighted assets (RWAs) across banks and jurisdictions and how this might undermine the Basel III capital adequacy framework. We discuss the key drivers behind the differences in these calculations, drawing upon a sample of systemically important banks from Europe, North America, and Asia Pacific. We then discuss a range of policy options that could be explored to fix the actual and perceived problems with RWAs, and improve the use of risk-sensitive capital ratios.

Author: Venus Khim-Sen Liew
Publisher: Cambridge Scholars Publishing
ISBN: 1527538893
Category : Business & Economics
Languages : en
Pages : 134

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Book Description
With the endorsement of the Basel III contracts on the supervision of the banking industry, management of capital buffers throughout the business cycle have attained crucial importance for the reinforcement of financial stability in the banking system. This book departs from previous studies through its focus on developing countries and their assessment of the behavior of capital and risk.

Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
ISBN: 1484313836
Category : Business & Economics
Languages : en
Pages : 87

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Book Description
This paper discusses the findings of the assessments on Basel Core Principles for Effective Banking Supervision in India. The Reserve Bank of India is to be commended for its tightly controlled regulatory and supervisory regime, consisting of higher than minimum capital requirements; frequent, hands-on, and comprehensive onsite inspections; and a conservative liquidity risk policy and restrictions on banks’ capacity to take on more volatile exposures. Despite this strong performance, several gaps and constraints in the implementation of the regulatory and supervision framework remain. The most significant gaps are in the area of international and, to a lesser extent, domestic supervisory information sharing and cooperation.

Author: Daniel Tarullo
Publisher: Columbia University Press
ISBN: 0881324914
Category : Business & Economics
Languages : en
Pages : 327

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Book Description
The turmoil in financial markets that resulted from the 2007 subprime mortgage crisis in the United States indicates the need to dramatically transform regulation and supervision of financial institutions. Would these institutions have been sounder if the 2004 Revised Framework on International Convergence of Capital Measurement and Capital Standards (Basel II accord)—negotiated between 1999 and 2004—had already been fully implemented? Basel II represents a dramatic change in capital regulation of large banks in the countries represented on the Basel Committee on Banking Supervision: Its internal ratings–based approaches to capital regulation will allow large banks to use their own credit risk models to set minimum capital requirements. The Basel Committee itself implicitly acknowledged in spring 2008 that the revised framework would not have been adequate to contain the risks exposed by the subprime crisis and needed strengthening. This crisis has highlighted two more basic questions about Basel II: One, is the method of capital regulation incorporated in the revised framework fundamentally misguided? Two, even if the basic Basel II approach has promise as a paradigm for domestic regulation, is the effort at extensive international harmonization of capital rules and supervisory practice useful and appropriate? This book provides the answers. It evaluates Basel II as a bank regulatory paradigm and as an international arrangement, considers some possible alternatives, and recommends significant changes in the arrangement.