Professional Documents
Culture Documents
in India
Capital to Risk-Weighted Asset Ratio (CRAR)
It not only deals with CRAR calculation, but has also got
provisions for supervisory review and market discipline.
Allahabad Bank
Andhra Bank
Bank of Baroda
Capital adequacy ratio 14.05 14.36
Capital adequacy ratio - Tier I 8.49 9.20
Capital adequacy ratio - Tier II 5.56 5.16
Bank of India
Capital adequacy ratio 13.01 12.94
Capital adequacy ratio - Tier I 8.91 8.48
Capital adequacy ratio - Tier II 4.10 4.46
Bank of Maharashtra
Canara Bank
Capital adequacy ratio 14.10 13.43
Capital adequacy ratio - Tier I 8.01 8.54
Capital adequacy ratio - Tier II 6.09 4.89
Corporation Bank
Capital adequacy ratio 13.61 15.37
Capital adequacy ratio - Tier I 8.90 9.25
Capital adequacy ratio - Tier II 4.71 6.12
Capital Held by National Banks (2009 2010)
Dena Bank
Capital adequacy ratio 12.07 12.77
Capital adequacy ratio - Tier I 6.76 8.16
Capital adequacy ratio - Tier II 5.31 4.61
Indian Bank
Capital adequacy ratio 13.98 12.71
Capital adequacy ratio - Tier I 11.88 11.13
Capital adequacy ratio - Tier II 2.10 1.58
Syndicate Bank
Capital adequacy ratio 12.68 12.70
Capital adequacy ratio - Tier I 7.85 8.24
Capital adequacy ratio - Tier II 4.83 4.46
UCO Bank
Vijaya Bank
Dhanlaxmi Bank
Capital adequacy ratio 15.38 12.99
Capital adequacy ratio - Tier I 13.75 8.80
Capital adequacy ratio - Tier II 1.63 4.19
Federal Bank
Capital adequacy ratio 20.22 18.36
Capital adequacy ratio - Tier I 18.42 16.92
Capital adequacy ratio - Tier II 1.80 1.44
Capital Held by Old Private Banks (2009 2010)
ING Vysya Bank
Karnataka Bank
Nainital Bank
Ratnakar Bank
Capital adequacy ratio 42.30 34.07
Capital adequacy ratio - Tier I 41.69 33.53
Capital adequacy ratio - Tier II 0.61 0.54
Axis Bank
Capital adequacy ratio 13.69 15.80
Capital adequacy ratio - Tier I 9.26 11.18
Capital adequacy ratio - Tier II 4.43 4.62
HDFC Bank
Capital adequacy ratio 15.69 17.44
Capital adequacy ratio - Tier I 10.58 13.26
Capital adequacy ratio - Tier II 5.11 4.18
ICICI Bank
Capital adequacy ratio 15.53 19.41
Capital adequacy ratio - Tier I 11.84 13.96
Capital adequacy ratio - Tier II 3.69 5.45
IndusInd Bank
Capital adequacy ratio 12.55 15.33
Capital adequacy ratio - Tier I 7.65 9.65
Capital adequacy ratio - Tier II 4.90 5.68
Capital Held by Private Sector Banks (2009 2010)
Yes Bank
AB Bank
Capital adequacy ratio 50.67 30.01
Capital adequacy ratio - Tier I 49.97 29.61
Capital adequacy ratio - Tier II 0.70 0.40
Bank of Ceylon
Barclays Bank
BNP Paribas
Capital adequacy ratio 12.37 15.78
Capital adequacy ratio - Tier I 8.38 10.89
Capital adequacy ratio - Tier II 3.99 4.89
Citibank
DBS Bank
Capital adequacy ratio 15.70 16.96
Capital adequacy ratio - Tier I 10.27 11.14
Capital adequacy ratio - Tier II 5.43 5.82
Deutsche Bank
HSBC
Capital adequacy ratio 15.31 18.03
Capital adequacy ratio - Tier I 14.12 16.63
Capital adequacy ratio - Tier II 1.19 1.40
Mashreqbank
Shinhan Bank
Capital adequacy ratio 36.80 40.85
Capital adequacy ratio - Tier I 36.35 39.89
Capital adequacy ratio - Tier II 0.45 0.96
Societe Generale
Capital adequacy ratio 22.47 22.77
Capital adequacy ratio - Tier I 22.08 21.96
Capital adequacy ratio - Tier II 0.39 0.81
Sonali Bank
UBS AG
Capital adequacy ratio 229.37 157.86
Capital adequacy ratio - Tier I 229.37 157.83
Capital adequacy ratio - Tier II 0.03
Implementation of Basel II
economies.
Basel II Issues and Challenges
RBIs scheme provides much less risk weights to exposures to scheduled
commercial banks than exposures to other banks/financial institutions.
Extensive data requirement
Implementation of Basel II, particularly the advanced approaches like the
IRB for credit risk and AMA for operational risk would require a huge
amount of data for model building and validation.
A large number of banks in India lack reliable historical data due to late
computerization.
Data on losses due to operational risk are currently non-existent.
Lack of good quality historical data on credit, market and operational
risks may make migration towards the more advanced approaches of risk
management slow.
Implementation cost: