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Bharat Commercial Bank reports the following capital and asset profile as of March 31, 2026: Common Equity Tier 1 (CET1) Capital = Rs. 650 Crores; Additional Tier 1 (AT1) Perpetual Bonds = Rs. 150 Crores; Tier 2 Subordinated Debt & General Provisions = Rs. 250 Crores. Its Credit Risk asset portfolio comprises: (i) Cash & RBI/Central Govt G-Secs = Rs. 4,000 Crores (0% RW); (ii) AAA-Rated Corporate Loans = Rs. 3,000 Crores (20% RW); (iii) Regulatory Retail Portfolio = Rs. 4,000 Crores (75% RW); (iv) Unrated Corporate Loans = Rs. 2,400 Crores (100% RW). In addition, Market Risk RWA is Rs. 1,200 Crores and Operational Risk RWA is Rs. 800 Crores.
Q1. What is the bank's Total CRAR (Capital to Risk-Weighted Assets Ratio), and how much surplus capital does it hold above the RBI mandatory minimum of 11.5% (9% CRAR + 2.5% CCB)?
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