Basel III breaks apart as US Europe and India diverge on bank capital rules

Uniform rules are gone and capital ratios now vary sharply

Fifteen years after Basel III was meant to standardize bank capital rules globally, national regulators are applying it unevenly. The US, Europe and India are prioritizing local economic and political goals, creating different capital requirements across jurisdictions. The result is a less comparable international banking system where banks face shifting buffers rather than one common standard.