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@article{179381,
        author = {Rachna Gupta and Dr Nishtha Pareek},
        title = {Impact of Basel III on Financial Resilience of Select Private Sector Banks in India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {6259-6271},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=179381},
        abstract = {The study aims to explore the impact of Basel III regulations on risk management and financial resilience in Indian private sector banks.  A panel regression technique is used to assess the impact of Basel III norms on 5 private sector banks from 2013 to 2023. The data is divided into two sample periods: pre-Basel III (2013-14 to 2017-18) and post-Basel III implementation (2018-19 to 2022-23). The analysis evaluates how these regulatory changes influence banks' risk strategies and financial outcomes. The results of the study highlight that private banks primarily use leverage for profitability and performance. Furthermore, it highlights the effectiveness of Basel III norms in mitigating the financial risks and promoting overall financial stability within the banking sector. The analysis finds that private banks prioritize Leverage Ratio over the capital adequacy ratio and thus derive profitability through effective leverage management. This also suggests that capital adequacy plays a more pronounced role in financial stability and performance.},
        keywords = {Basel III, Leverage, Liquidity, Risk, profitability, financial stability},
        month = {May},
        }