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.
HDFC Bank’s larger balance sheet could translate into bigger loan disbursals after the merger, while costs may fall due to recent regulatory streamlining. Updated reporting and delinquency provisioning rules for banks and non-bank finance companies are expected to reduce friction. HDFC’s focus on affordable housing and micro-lending can also help align its loan book with HDFC Bank’s development finance requirements.
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