Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Capital Surcharges & Bucketing

Q13: In the "stacking order" of capital buffers under Basel III as implemented by the RBI, how is the D-SIB surcharge applied?

A
It is substituted for the Capital Conservation Buffer (CCB).
B
It is added on top of both the minimum CET1 requirement and the Capital Conservation Buffer (CCB).
C
It is deducted from the Countercyclical Capital Buffer (CCCB).
D
It is only required if the bank fails to meet its Statutory Liquidity Ratio (SLR).
✅ Correct Answer: B
D-SIB surcharges are additive.
A bank must meet the minimum CET1 (5.5%), plus the CCB (2.5%), plus the specific D-SIB surcharge associated with its bucket.
This layering ensures the robustness of every Domestic Systemically Important Bank (D-SIB).