International Journal of Academic Research and Development

International Journal of Academic Research and Development


International Journal of Academic Research and Development
International Journal of Academic Research and Development
Vol. 2, Issue 5 (2017)

Impact of Basel-II on commercecial banking system in India


Sumant Poddar, Dr. Pranam Dhar, Dr. Garjraj Singh Ahirwar

Basel Accord II on risk management announced in June 04 is revolutionary in matters of credit risk management, market risk management and finally operational risk management. These three risk segments though intertwined in banking financial institution functions, credit risk, no doubt occupies the center stage. Generally, around 90% of the risk existing in the business especially Indian business scenario is captured by credit risk. Hence credit risk mitigation efforts as a natural corollary in banking/financial institutions demand serious attention. This synoptic paper outlines the growth of Indian commercial banking sector and examines impact of Basel norms on the same. In this process, the preparedness of banks and related issues are examined through a survey of bank personnel. The recent trends in CAR and NPA of the banks are also pointed out. A few conclusions are derived and some recommendations are made. The scope for further work is indicated.
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How to cite this article:
Sumant Poddar, Dr. Pranam Dhar, Dr. Garjraj Singh Ahirwar. Impact of Basel-II on commercecial banking system in India. International Journal of Academic Research and Development, Volume 2, Issue 5, 2017, Pages 916-930
International Journal of Academic Research and Development International Journal of Academic Research and Development