You will recall that MPCB was also the first bank to deal with us when we offered a special line of credit to the sugar sector when it was going through a tough time. While other banks were being reticent, MPCB was the first one to come forward, and we agreed to go ahead.
Institutions, after all, are in the best position to identify and understand their concentration risk. Another significant concern expressed in the comment letters by bankers is that the proposed guidance will be implemented in an inconsistent manner, creating an uneven playing field with some banks facing higher supervisory expectations. Issuing the guidance on an interagency basis should encourage a consistent supervisory approach.