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Basel III Norms and its effect on the profitability of Indian Commercial Banks
Authors
Baishali Pathak,Prof. Ajanta Borgohain Rajkonwar,Prof. Jutimala Bora
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Keywords
profitability, banks, Basel Norms, NIM, PPE, ROE
Abstract
Banks are the financial intermediaries that serve as a bridge between assurances and general public. Banking business is therefore prone to high risk in the changing economic conditions. With the introduction and revision of Basel Norms, banks in India have also started to accept the importance of capital adequacy requirement and maintaining optimum profitability and operational efficiency to remain relevant in the market. This paper is an attempt to analyze the effect of various profitability parameters in the era of Basel Norms III and compare the performance of select public and private sector banks on the basis of NIM, PPE and ROE. 8 banks were taken as sample and data was collected from the banks' annual report and RBI's official website. Through analysis, it could be concluded that ROE and PPE are very much significant as parameters of profitability as compared to NIM. Private sector banks, mainly HDFC and ICICI give very good indicators of efficient resources management over the years as compare to public sector banks. The study indicates that banks are well verged with guidelines given under Basel III as they are exerted with pressure to maintain higher liquidity and profitability for improved financial resilience and stability.
IJCRT's Publication Details
Unique Identification Number - IJCRT2601684
Paper ID - 300863
Author type - Indian Author
Page Number(s) - f534-f544
Pubished in - Volume 14 | Issue 1 | January 2026
DOI (Digital Object Identifier) -
No Of Downloads - 23
Author Country - India, 781011, Guwahati, Guwahati, 781011, Commerce All
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Baishali Pathak,Prof. Ajanta Borgohain Rajkonwar,Prof. Jutimala Bora, "Basel III Norms and its effect on the profitability of Indian Commercial Banks", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.14, Issue 1, pp.f534-f544, January 2026, Available at :http://www.ijcrt.org/papers/IJCRT2601684.pdf
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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