Basel accords came into existence with a view to addressing crises emanating from banking operations. The growth of securitization led to the subprime crisis of 2009, paving the dermis of Basel II. Basel III was implemented from the beginning 2015, and it is hoped that it will lead to long term stability of the financial system. Some scholars are of the opinion that the effectiveness of the Basel III proposals could be jeopardized by the implementation of a leverage ratio which is not well calibrated. Others say central banks of SACU and Africa were never actively involved in the architecture of Basel III. They suggests a review of the recommendations in order to decide on the key aspects to be incorporated in their bank regulatory [...] author in this study finds it important to investigate the strength of these standards using banks within SACU. As such this study intends to test the effectiveness of these standards and to propose better banking standards in the form of Basel IV.