An Analysis of KVGB's Performance on the BASEL III Framework
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Abstract
A large number of rural banks have been instrumental in assisting families by providing loans for productive labour. This has allowed them to save more money and access additional job possibilities. Rural development banks have invested in expanding their branches, mobilising deposits, and offering credit to individuals living in rural areas. However, some factors contributed to their failure, such as lending practices, inconsistent growth of subsets and rigid protocols.
Attempting to resolve these concerns and enhance results while bridging functional gaps, the RBI implemented restructuring measures for RRBs, and it has also extended the Basel III Capital framework to encompass All India Financial Institutions (AIFIs), including the Export-Import (EXIM), NABARD, NHB and SIDBI. Relying on an examination of KVGB's performance over five years. By utilising the BASEL III standard, the inquiry is carried out. They are reported on capital adequacy, credit risk management practices, market risk assessment measures and qualitative and quantitative disclosures related to operational risks.