rbi speech, 2023-09-21
Furthermore, stress tests on banks' credit concentration - considering top individual borrowers according to their standard exposures - show that even in the extreme scenario of the top three individual borrowers failing to repay, no bank would face a drop in the capital ratio below the regulatory requirement of 9 per cent, although two banks would see a decline in the capital ratio below the regulatory minimum inclusive of the CCB requirement (11.5 per cent).
Sentiment: neutral
Topic: financial_stability