The book "Effects of Basel II Capital Requirement on Profitability & Credit Risk" offers a comprehensive analysis of the impact of Basel II regulations on the performance of banks, particularly regarding credit risk. It examines how these regulatory requirements affect the profitability of banks, measured by the metrics Return on Assets and Return on Equity. The study includes a selection of twelve banks that operated between 2005 and 2012 and utilized the internal ratings system to calculate the required regulatory capital requirements. Through a theoretical framework, the interaction between regulation and bank performance is illuminated, identifying specific financial metrics that provide deeper insights into the topic.