Basel III Capital Adequacy

CRAR — Basel III Capital Adequacy

Capital to Risk-Weighted Assets Ratio · RBI Master Circular

Q3 FY 2025-26 Reporting Quarter
RBI Circulars
Tier 1 Capital
₹8,284Cr
CET1 + AT1
Tier 2 Capital
₹1,556Cr
Supplementary Capital
Total Capital
₹9,840Cr
Tier 1 + Tier 2
Total RWA
₹58,420Cr
Credit + Market + Op Risk
CRAR
{{ crar }}%
Min required: 10.50%
Capital Buffer
+{{ capitalBuffer }}%
↑ Above RBI minimum
@if (activeTab === 'tier1') {
Common Equity Tier 1 (CET1) + Additional Tier 1 (AT1) — Basel III Framework
@for (item of tier1Capital; track item.sl) { }
# Capital Item Account Code Category Previous (₹ Cr) Current (₹ Cr) Change (₹ Cr)
{{ item.sl }}
{{ item.name }}
{{ item.sub }}
{{ item.code }} {{ item.category }} {{ item.prev }} {{ item.curr }} {{ item.change }}
Total Tier 1 Capital (CET1 + AT1) 7,961.20 8,284.80 +323.60
} @if (activeTab === 'tier2') {
Supplementary Capital — Subordinated debt, provisions & reserves
@for (item of tier2Capital; track item.sl) { }
# Capital Item Account Code Previous (₹ Cr) Current (₹ Cr) Change (₹ Cr)
{{ item.sl }}
{{ item.name }}
{{ item.sub }}
{{ item.code }} {{ item.prev }} {{ item.curr }} {{ item.change }}
Total Tier 2 Capital 1,484.60 1,556.00 +71.40
} @if (activeTab === 'creditRisk') {
Risk-Weighted Assets for Credit Risk — Standardised Approach (RBI)
@for (item of creditRiskRWA; track item.sl) { }
# Exposure Category Account Code Risk Weight Gross Exposure (₹ Cr) RWA (₹ Cr)
{{ item.sl }}
{{ item.name }}
{{ item.sub }}
{{ item.code }} {{ item.rw }} {{ item.gross }} {{ item.rwa }}
Total Credit Risk RWA 47,820.40
} @if (activeTab === 'marketRisk') {
Risk-Weighted Assets for Market Risk — Standardised Duration Approach
@for (item of marketRiskRWA; track item.sl) { }
# Risk Component Account Code Approach Capital Charge (₹ Cr) RWA (₹ Cr)
{{ item.sl }}
{{ item.name }}
{{ item.sub }}
{{ item.code }} {{ item.approach }} {{ item.cc }} {{ item.rwa }}
Total Market Risk RWA 7,005.00
} @if (activeTab === 'opRisk') {
Basic Indicator Approach (BIA) — RWA = Capital Charge × 12.5
# Parameter Value
01
Gross Income Average (3-year)
Average of last 3 years positive gross income
₹{{ opRiskGrossIncome | number: '1.2-2' }} Cr
02
Alpha Factor
Fixed multiplier as per Basel III BIA
{{ opRiskAlpha }}%
03
Capital Charge
Gross Income × Alpha
₹{{ opRiskCapitalCharge | number: '1.2-2' }} Cr
04
RWA (Capital Charge × 12.5)
{{ opRiskCapitalCharge }} × 12.5 = {{ opRiskRWA }}
₹{{ opRiskRWA | number: '1.2-2' }} Cr
Total Operational Risk RWA 3,595.60
}
CRAR Computation — (Tier 1 + Tier 2) ÷ Total RWA × 100
Tier 1 Capital
₹{{ totalTier1 | number: '1.2-2' }}
CET1 + AT1
+
Tier 2 Capital
₹{{ totalTier2 | number: '1.2-2' }}
Supplementary
÷
Total RWA
₹{{ totalRWA | number: '1.0-0' }}
Credit + Market + Op
×
100
100
 
=
CRAR
{{ crar }}%
Min required: 10.50%
Basel III Compliance Status
All thresholds met · CRAR: {{ crar }}% · CET1: {{ cet1Ratio }}% · Tier 1: {{ tier1Ratio }}% · Tier 2: {{ tier2Ratio }}%
CET1 Ratio
{{ cet1Ratio }}%
Tier 1 Ratio
{{ tier1Ratio }}%
CRAR
{{ crar }}%