Which regulatory requirement is identified as a potential hindrance to credit expansion for Indian banks?a)Liquidity Coverage Ratio (LCR) guidelinesb)Reserve requirementsc)Loan-to-value ratiosd)Capital adequacy ratiosCorrect answer is option 'A'. Can you explain this answer?

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Which regulatory requirement is identified as a potential hindrance to credit expansion for Indian banks?

a)
Liquidity Coverage Ratio (LCR) guidelines
b)
Reserve requirements
c)
Loan-to-value ratios
d)
Capital adequacy ratios

Correct answer is option 'A'. Can you explain this answer?

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Which regulatory requirement is identified as a potential hindrance to...

The Liquidity Coverage Ratio (LCR) guidelines are seen as a potential hindrance to credit expansion for Indian banks. These guidelines require banks to maintain a certain amount of high-quality liquid assets that can be quickly converted to cash in times of financial stress. While these regulations are designed to ensure financial stability, they can restrict the banks' ability to lend, thereby affecting overall credit growth. An interesting fact about LCR is that it was introduced as part of the Basel III framework following the financial crisis to enhance banks' liquidity positions.

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Which regulatory requirement is identified as a potential hindrance to credit expansion for Indian banks?a)Liquidity Coverage Ratio (LCR) guidelinesb)Reserve requirementsc)Loan-to-value ratiosd)Capital adequacy ratiosCorrect answer is option 'A'. Can you explain this answer?

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