{"id":4250814,"date":"2020-06-22T05:11:55","date_gmt":"2020-06-21T23:41:55","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=4250814"},"modified":"2021-08-24T20:26:53","modified_gmt":"2021-08-24T14:56:53","slug":"basel-iii-norms-in-india","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/","title":{"rendered":"BASEL III Norms in India &#8211; Definition and Overview"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e9f9ffbd3d6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e9f9ffbd3d6\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/#What_is_Basel_III\" >What is Basel III?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/#Basel_III_%E2%80%93_A_Quick_Overview\" >Basel III \u2013 A Quick Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/#How_Indian_Banking_Sector_be_Affected\" >How Indian Banking Sector be Affected?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">The Covid 19 pandemic has infused a considerable revamp in striking the bell of every sector. The banking sector is also at its doorstep to welcome the essential change in response to the pandemic. According to the news of IANS it is officially announced that the Basel III norms and regulations in India stands deferred till January 2023. The schedule of implementing Basel III is followed by a series of postponements in implementation date and in response of Covid 19 it is again postponed. Through this article we discuss what does this highly anticipated basel III norm mean? What is its significance and what all are its impact on the Indian banking sector?<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Basel_III\"><\/span>What is Basel III?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before we look into Basel III we need to understand some World History. After the 1<\/span><span style=\"font-weight: 400;\">st<\/span><span style=\"font-weight: 400;\"> world war, a plan named \u2018The Young Plan\u2019 was adopted in 1930 for settling Germany\u2019s World war 1 reparations. In this context for implementing this aim a financial institution called the Bank for International Settlement (BIS) has been created. BIS couldn\u2019t enforce its aim and objectives due to the great depression in 1930. After the great depression BIS has incarnated to stabilise global financial stability. Now <\/span><span style=\"font-weight: 400;\">the BIS is owned by <\/span><span style=\"font-weight: 400;\">62 Central Banks<\/span><span style=\"font-weight: 400;\">, representing countries from around the world that together account for about 95% of world GDP. Its head office is in Basel, Switzerland and it has two representative offices: in Hong Kong SAR and in Mexico City.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the major processes of the BIS is the Basel process.<\/span> <span style=\"font-weight: 400;\">The Basel Process refers to the way in which the BIS promotes international cooperation among monetary authorities and financial supervisory officials. The BIS hosts 9 international organizations which comprise 6 committees and 3 associations engaged in standard setting and the pursuit of financial stability through the Basel process. Basel III is an internationally agreed set of measures developed by one of the committees in the BIS, Basel Committee on Banking Supervision (BCBS) in response to the financial crisis of 2007-09. The measures aim to strengthen the regulation, supervision and risk management of banks.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Basel_III_%E2%80%93_A_Quick_Overview\"><\/span>Basel III \u2013 A Quick Overview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"3\"><b>Capital<\/b><\/td>\n<td><b>Liquidity<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pillar 1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pillar 2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pillar 3<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Capital<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-weight: 400;\">Quality and level of capital (4.5%)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Capital loss absorption at the point of non-viability<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Capital conservation buffer<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Counter cyclic buffer 0-0.25%<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Risk Coverage<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Securitisation<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Revisions to the standardised approaches for calculating greater risk-sensitivity and comparability.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Constraints on using internal model<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Capital requirements for exposures to central counterparties (CCPs) and equity investments in funds<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Counterparty credit risk\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Leverage<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-weight: 400;\">\u00a0A non-risk-based leverage ratio including off-balance sheet exposures is meant to serve as a backstop to the risk-based capital requirement<\/span><\/li>\n<\/ul>\n<\/td>\n<td style=\"text-align: left;\"><span style=\"font-weight: 400;\">Risk management and supervision<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u00a0Supplemental requirements including capturing risk that is connected to off-balance sheet exposure and securitisation activities.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Interest rate risk in the banking book (IRRBB) Extensive guidance on expectations for a bank\u2019s IRRBB management process<\/span><\/li>\n<\/ul>\n<\/td>\n<td style=\"text-align: left;\"><span style=\"font-weight: 400;\">Market discipline<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Revised disclosure requirements relating to off-balance sheet exposure and securitisation activities.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Global liquidity standards and supervisory monitoring<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Liquidity coverage ratio (LCR<\/span><b>) <\/b><span style=\"font-weight: 400;\">requires banks to have sufficient high-quality liquid assets to \u00a0 withstand a 30-day stressed funding scenario that is specified by supervisors.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Net stable funding ratio is designed to address liquidity mismatches<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-weight: 400;\">Principles for sound liquidity risk management and supervision<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Supervision monitoring<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The features of Basel-III such as higher risk coverage, thrust on loss-absorbing capital in periods of stress, improving liquidity standards, creation of capital buffers in good times and prevention of excess build-up of debt during boom times would help create a resilient banking system. I know this table seems to be containing more and more sophisticated information that a banking expert or an economic analyst can understand and squeeze the consequences out of it.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.sng.link\/Bcofz\/n3cz\/636x\" target=\"_blank\" rel=\"noopener\">Download Entri for Basel III implementation latest updates<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Indian_Banking_Sector_be_Affected\"><\/span>How Indian Banking Sector be Affected?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This is the only area where a layman and an economist in India is concerned about. We have to analyse the provisions of Basel III in relevance to Indian scenario. The RBI which is the Central Bank and the regulatory authority over all the banks in India is at doorsteps to implement the recommendation of Basel III into the Indian Banking sector.<\/p>\n<h3>The Macro Economic Effect:<\/h3>\n<ul>\n<li>The economist\u2019s analyses that increasing the equity capital requirement increases the average cost of capital to the borrowers as higher lending rates. Thus, the equilibrium lending rates are likely to be marginally higher and as a consequence, credit growth could be a little lower than in the last few years.<\/li>\n<li>\u00a0bringing the global common equity capital ratio to a level that would meet the agreed minimum requirement and the capital conservation buffer would result in a maximum decline in GDP<\/li>\n<\/ul>\n<h3>The Lock Down Effect on the Basel III:<\/h3>\n<ul>\n<li>The quarterly assessment of the GDP growth before the lockdown was lower than everyone expected. The post lockdown GDP Growth will be terribly down in the absence of production throughout the country. If the Basel III implementation decelerate the GDP growth even in a small percentage the future growth of India will be in trouble<\/li>\n<li>The pre lockdown period was experiencing a little inflation that is good for the growth of the economy. And the lockdown period experienced the higher rate of deflation due to the low consumption of goods among people. The immediate post lock down period is experiencing inflation due to the newly restarted production imparts a supply demand mismatch. The economists are expecting a terminal deflation after the post lockdown period. In this frequent changing of inflation and deflation at its peak, Basel III reducing the credit growth would affect the economy negatively.<\/li>\n<\/ul>\n<h3>The Fiscal Policy Towards Basel III:<\/h3>\n<p>The central government in 2015 introduced a plan called \u2018Indradhanush\u2019 , a seven-point plan to revamp the Public Sector Bank in the economy. In the reforms note it was stated that the PSBs are adequately capitalized and meet all the Basel III and RBI norms. However, the Government of India wants to adequately capitalize all the banks to keep a safe buffer over and above the minimum norms of Basel III. So, the central government is welcoming Basel III through their fiscal policy. The changes on the PSB which is holding the 72% of market among the commercial banking market in India will lead to focus strictly on the strengthening part of the bank but consequently they may compromise the sole responsibility of controlling the inflationary and deflationary trends of the economy.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.sng.link\/Bcofz\/n3cz\/636x\" target=\"_blank\" rel=\"noopener\">Download Entri for Basel III implementation latest updates<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Basel III norms and regulations put forward by the BCBS of BIS are something great in strengthening the foundation of the bank in critical situations. But the post lockdown time infuses great and worst changes in the economy and in the mind of the people. It is really doubtful that is it the right time to come up with the revolutionary norms and regulation. The feasibility of the norms and regulation will purely depend upon the factor that how the economy responds to the post lockdown<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Covid 19 pandemic has infused a considerable revamp in striking the bell of every sector. The banking sector is also at its doorstep to welcome the essential change in response to the pandemic. According to the news of IANS it is officially announced that the Basel III norms and regulations in India stands deferred [&hellip;]<\/p>\n","protected":false},"author":60,"featured_media":4271140,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,246],"tags":[],"class_list":["post-4250814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-banking"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BASEL III Norms in India - Definition, Overview, Impact in Banking Sector- Entri Blog<\/title>\n<meta name=\"description\" content=\"All about Basel III norms proposed by the Basel Committee on Banking Supervision and its significance in Indian banking sector and economy in Post covid era\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BASEL III Norms in India - Definition, Overview, Impact in Banking Sector- Entri Blog\" \/>\n<meta property=\"og:description\" content=\"All about Basel III norms proposed by the Basel Committee on Banking Supervision and its significance in Indian banking sector and economy in Post covid era\" \/>\n<meta property=\"og:url\" content=\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/\" \/>\n<meta property=\"og:site_name\" content=\"Entri Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/entri.me\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-21T23:41:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-08-24T14:56:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2020\/06\/basel-thumbnail.png\" \/>\n\t<meta property=\"og:image:width\" content=\"820\" \/>\n\t<meta property=\"og:image:height\" content=\"615\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Manu K Sabu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@entri_app\" \/>\n<meta name=\"twitter:site\" content=\"@entri_app\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Manu K Sabu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/entri.app\/blog\/basel-iii-norms-in-india\/\"},\"author\":{\"name\":\"Manu K Sabu\",\"@id\":\"https:\/\/entri.app\/blog\/#\/schema\/person\/99a700a4609c0dc382b173b359c9d9e9\"},\"headline\":\"BASEL III Norms in India &#8211; 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