The article discusses the challenges faced by banks in meeting capital adequacy requirements set by the Basel Agreement. It explores the importance of capital in a bank's balance sheet and the different types of capital required. The study shows that the Basel III Accord introduces new standards for capital and liquidity, aiming to prevent future banking crises. The National Bank of Romania provides information on these challenges through financial stability reports. The research uses a qualitative approach and methods like document analysis to analyze the data. The findings highlight the evolving requirements for bank capital under the Basel Accords.