1Mittal School of Business, Lovely Professional Univ., NH1, Near Cheheru Railway Station, Phagwara-144411, Punjab, India
2Bank of India, Sector 31, Chandigarh, India
*Corresponding author email id: anoop.mohanty@lpu.co.in
Banking industry has regulatory norms set by the Basel Committee on Banking Supervision (BCBS). Banking institution sustainability is measured using the CRAR dimension. CRAR is indicative of whether a bank’s existing capital is sufficient to cover risk assets. Competition among financial institutions has led to sustainability issues. Balancing between capital and business expansion is key to survival. Portfolio selection and profitability are inter-related. Survival of the fittest means banks with better Capital adequacy ratio will be able to withhold the risky situations.
Basel norms, Profitability, NIM, Net and Gross NPA, Provision coverage ratio, ROA
