4/22/2019 All About Basel Norms – Banking Awareness for Upcoming Exams

In comparison to Basel II, Basel III strengthened regulatory capital ratios, which are
computed as a percent of risk-weighted assets. In particular, Basel III increased minimum
Common Equity Tier 1 capital from 4% to 4.5%, and minimum Tier 1 capital from 4% to
6%. The overall regulatory capital was left unchanged at 8%.

Counter cyclical Measures

Basel III introduced new requirements with respect to regulatory capital for large banks to
cushion against cyclical changes on their balance sheets. During credit expansion, banks
have to set aside additional capital, while during the credit contraction, capital
requirements can be loosened. The new guidelines also introduced the bucketing method,
in which banks are grouped according to their size, complexity and importance to the
overall economy. Systematically important banks are subject to higher capital
requirements.

Leverage and Liquidity Measures

Basel III introduced leverage and liquidity requirements to safeguard against excessive
borrowings and ensure that banks have sufficient liquidity during financial stress. In
particular, the leverage ratio, computed as Tier 1 capital divided by the total of on and off-
balance assets less intangible assets, was capped at 3%.

Of ine
Click Here for IBPS Clerk Mains Preparation Time Table (Full
Schedule)

30 Days Study Plan for IBPS Clerk Mains 2017

Static GK /
Quantitative Current
Days Banking Reasoning English
Aptitude Affairs
Awareness

CMs and
Simplification,
Governors / Errors in
Day- Wrong term Sep 1- Coding and
About RBI and Articles and
1 in Number 7 Decoding
its Preposition
Series
Responsibilities

Country,
Average, Capital and
Errors in
Day- Percentage Sep 8- Currency
Relationship Nouns and
2 and 14 (1sthalf) – HQ of
Pronouns
Partnership banks and
Heads
https://www.ibpsguide.com/basel-norms 6/8
4/22/2019 All About Basel Norms – Banking Awareness for Upcoming Exams

Day- Ratio and Sep Country, Direction Errors in

3 Problems 15-21 Capital and Sense Conjunction
based on Currency and Tenses
Ages (2ndhalf) –
Types of
Cheques

International
Errors in If
Time & Work Organisations
Day- Sep clauses and
and Pipes & and its HQ – Syllogism
4 22-30 Relative
Cistern Types of
Pronoun
Accounts

Time &
Distance and National Parks Errors in
Day- Oct 1 – Input and
Problems (1st half) – Adverb and
5 7 Output
based on Types of Cards Adjective
Trains

Simple
National Parks Errors in
Day- Interest and Oct 8 – Decision
(2nd half) – Active/Passive
6 Compound 14 Making
About RRBs voice
Interest

Of ine
Important Days
with
Day- Profit and Oct 15- themes(2017) Course of Errors in
7 Loss 21 / About Action Comparison
Payments
Banks & NPCI

City and Rivers

Probability and with Origin / Statements Errors in
Day- Oct 22-
Mixture & About NBFCs and Direct/Indirect
8 31
Allegation and Small Fin assumption speech
Banks

Power plants
Day- Boats and Nov 1- and Dams / Linear Sitting Errors in
9 Streams 7 About SEBI and arrangements Verbs
IRDAI

Day- Mensuration Nov 8- Important Circular Meaning for

10 14 Lakes and Sitting Idioms and
Sanctuaries / arrangements

https://www.ibpsguide.com/basel-norms 7/8
4/22/2019 All About Basel Norms – Banking Awareness for Upcoming Exams

About Credit Phrases (1st

Rating half)
Agencies

Dance and
Data Meaning for
Festival / Types Parallel
Day- Interpretation Nov 15- Idioms and
of Loans and Sitting
11 (Table and Pie 21 Phrases (2nd
Negotiable Arrangements
chart) half)
Instruments

Data Phrase
2011 Census /
Day- Interpretation Nov 22 replacement
About IMPS, Puzzle
12 (Bar and Line – 30 (Vocabulary
NEFT, RTGS
Graph) based)

Data Important
Interpretation ( Temples , Input and
Day-
Caselet ) and Dec 1-7 Mosque-Church Output (New Single fillers
13
Quadratic / About UPI pattern)
Equations and BHIM

National and
Wording
International Coding and
Day- Time & Work Dec 8- Arrangement
Stadiums / Decoding (New

Of ine
14 (Applied in DI) 14 within a
India’s GDP pattern)
sentence
Prediction

Important
Time & Direction
Day- Dec 15- Universities in Sentence
Distance sense(New
15 21 India / Arrangement
(Applied in DI) pattern)
SARFAESI Act

Simple Interest Superlatives RC based on

Blood
Day- and Compound Dec 22- (Largest, Economics
Relationship
16 Interest 31 smallest, etc.) / and Social
(New pattern)
(Applied in DI) Basel norms issues

https://www.ibpsguide.com/basel-norms 8/8