While the concept of regulatory capital that is aligned to risks in the balance sheet of a bank was enunciated through the capital to risk weighted assets ratio (CRAR) under Basel I, the Basel II framework, introduced  Page 9 of 19  in 2004, brought about better determination of risks by introducing greater granulation of risks of various categories of assets of a bank.
Second, they were given incentives for lending to assist the micro, small and medium enterprises and large enterprises carry on with their business during the COVID-19 crisis, as well as hasten recovery and sustainability of their operations, during the post-crisis period.