{"id":240775,"date":"2026-03-29T20:28:01","date_gmt":"2026-03-29T14:58:01","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=240775"},"modified":"2026-03-29T20:28:04","modified_gmt":"2026-03-29T14:58:04","slug":"rbi-amends-counterparty-credit-risk-framework","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/","title":{"rendered":"RBI Amends Counterparty Credit Risk Framework, Check Details"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#What_is_counterparty_credit_risk_and_why_is_it_important\" >What is counterparty credit risk and why is it important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#Download_RBI_Counterparty_Credit_Risk_Amendment_PDF\" >Download RBI Counterparty Credit Risk Amendment PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#Attempt_RBI_Counterparty_Credit_Risk_Practice_Quiz\" >Attempt RBI Counterparty Credit Risk Practice Quiz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#Sign_Up\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#Login\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#Forgot_Password\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#i\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#What_problem_did_the_RBI_identify\" >What problem did the RBI identify?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#What_are_the_key_changes_introduced_by_the_RBI_amendment\" >What are the key changes introduced by the RBI amendment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#How_do_add-on_factors_work_in_derivative_contracts\" >How do add-on factors work in derivative contracts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#How_are_different_asset_classes_treated_under_these_guidelines\" >How are different asset classes treated under these guidelines?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#Why_do_add-on_factors_increase_with_time\" >Why do add-on factors increase with time?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#What_is_the_impact_on_capital_adequacy_ratio_CAR\" >What is the impact on capital adequacy ratio (CAR)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#What_is_the_overall_impact_of_these_guidelines_on_banks\" >What is the overall impact of these guidelines on banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>When banks deal in complex financial contracts, even a small mistake can turn into a big loss. One such risk arises when the other party in a deal fails to pay or perform its obligation. To tackle this growing concern, the Reserve Bank of India (RBI) has issued amendment directions on Counterparty Credit Risk on 10 March 2026.<\/p>\n\n\n\n<p>These new guidelines aim to strengthen the banking system by ensuring that banks maintain enough capital to absorb potential losses arising from derivative transactions and other financial exposures. Let\u2019s understand this in a simple and structured way.<\/p>\n\n\n\n<p>In this blog, we have also provided a detailed PDF for revision and a free quiz to test your understanding, so you can learn and practice at the same time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-counterparty-credit-risk-and-why-is-it-important\"><span class=\"ez-toc-section\" id=\"What_is_counterparty_credit_risk_and_why_is_it_important\"><\/span>What is counterparty credit risk and why is it important?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Counterparty Credit Risk (CCR) refers to the risk that the other party in a financial contract may fail to fulfill its obligations before the final settlement.<\/p>\n\n\n\n<p>In simple words, if a bank enters into a contract with someone and that person defaults midway, the bank may suffer a loss. This is especially common in over-the-counter (OTC) derivative contracts where there is no central guarantee.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Meaning<\/td><td>Risk that the counterparty fails before final settlement<\/td><\/tr><tr><td>Where it arises<\/td><td>Derivative contracts, OTC transactions<\/td><\/tr><tr><td>Example<\/td><td>Bank enters a contract, but the other party defaults midway<\/td><\/tr><tr><td>Key concern<\/td><td>Loss to banks due to non-performance<\/td><\/tr><tr><td>Why important<\/td><td>Direct impact on bank\u2019s capital and financial stability<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-mock-test\/?ref=contac-blog-raccrf\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A Free RBI Grade B Mock Test<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-rbi-counterparty-credit-risk-amendment-pdf\"><span class=\"ez-toc-section\" id=\"Download_RBI_Counterparty_Credit_Risk_Amendment_PDF\"><\/span>Download RBI Counterparty Credit Risk Amendment PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Download the free PDF to get a complete and structured explanation of RBI\u2019s amendment directions on Counterparty Credit Risk along with key concepts, examples, and easy-to-understand notes.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><a href=\"https:\/\/www.oliveboard.in\/rbi-amends-counterparty-credit-risk-framework-pdf\/?ref=contac-blog-raccrf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Free PDF<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-attempt-rbi-counterparty-credit-risk-practice-quiz\"><span class=\"ez-toc-section\" id=\"Attempt_RBI_Counterparty_Credit_Risk_Practice_Quiz\"><\/span>Attempt RBI Counterparty Credit Risk Practice Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Test your understanding of the RBI counterparty credit risk guidelines with a quick practice quiz based on real exam-level concepts and practical scenarios.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-1-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-1-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-1 * { box-sizing: border-box; }\n\n#quiz-1 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-1 h2 {\n  text-align: center;\n}\n\n#quiz-1 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-1 .question p {\n  font-weight: bold;\n}\n\n#quiz-1 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-1 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-1 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-1 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-1 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-1 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-1 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-1 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-1 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-1 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-1 .bar-attempted { background: #2196f3; }\n#quiz-1 .bar-correct { background: #4caf50; }\n#quiz-1 .bar-wrong { background: #f44336; }\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-1 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-1 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-1\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-1-sticky-header\">\n  <span> RBI Counterparty Credit Risk Practice Quiz <\/span>\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. Counterparty Credit Risk primarily arises in which type of contracts?<\/p>\n  <button data-correct=\"false\">Cash transactions<\/button>\n  <button data-correct=\"false\">Fixed income securities<\/button>\n  <button data-correct=\"true\">Derivative contracts<\/button>\n  <button data-correct=\"false\">Savings deposits<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. What is the main objective of RBI\u2019s CCR amendment?<\/p>\n  <button data-correct=\"false\">Increase lending<\/button>\n  <button data-correct=\"false\">Reduce taxes<\/button>\n  <button data-correct=\"true\">Strengthen risk management in banks<\/button>\n  <button data-correct=\"false\">Promote exports<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Potential Future Exposure (PFE) represents:<\/p>\n  <button data-correct=\"false\">Current profit<\/button>\n  <button data-correct=\"true\">Future possible loss due to counterparty default<\/button>\n  <button data-correct=\"false\">Interest income<\/button>\n  <button data-correct=\"false\">Deposit growth<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. Add-on factors are used in calculation of:<\/p>\n  <button data-correct=\"false\">CRR<\/button>\n  <button data-correct=\"false\">SLR<\/button>\n  <button data-correct=\"true\">PFE<\/button>\n  <button data-correct=\"false\">NPA<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Which contracts are considered off-balance sheet items?<\/p>\n  <button data-correct=\"false\">Loans<\/button>\n  <button data-correct=\"false\">Deposits<\/button>\n  <button data-correct=\"true\">Derivatives<\/button>\n  <button data-correct=\"false\">Capital<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. A higher add-on factor indicates:<\/p>\n  <button data-correct=\"false\">Lower risk<\/button>\n  <button data-correct=\"true\">Higher risk<\/button>\n  <button data-correct=\"false\">No risk<\/button>\n  <button data-correct=\"false\">Stable return<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. Which of the following is least risky?<\/p>\n  <button data-correct=\"false\">Equity derivatives<\/button>\n  <button data-correct=\"false\">Commodity derivatives<\/button>\n  <button data-correct=\"true\">Interest rate derivatives<\/button>\n  <button data-correct=\"false\">Forex derivatives<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Longer maturity in derivatives leads to:<\/p>\n  <button data-correct=\"false\">Lower exposure<\/button>\n  <button data-correct=\"true\">Higher exposure<\/button>\n  <button data-correct=\"false\">No exposure<\/button>\n  <button data-correct=\"false\">Fixed exposure<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Counterparty default risk means:<\/p>\n  <button data-correct=\"false\">Market crash<\/button>\n  <button data-correct=\"false\">Failure to repay loans<\/button>\n  <button data-correct=\"true\">Failure to honor contract obligations<\/button>\n  <button data-correct=\"false\">Interest rate fluctuation<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. What does notional amount refer to?<\/p>\n  <button data-correct=\"false\">Actual payment<\/button>\n  <button data-correct=\"true\">Principal value used for calculation<\/button>\n  <button data-correct=\"false\">Profit earned<\/button>\n  <button data-correct=\"false\">Tax amount<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Capital Adequacy Ratio is calculated as:<\/p>\n  <button data-correct=\"false\">Profit\/Assets<\/button>\n  <button data-correct=\"false\">Capital\/Deposits<\/button>\n  <button data-correct=\"true\">Capital\/Risk Weighted Assets<\/button>\n  <button data-correct=\"false\">Loans\/Capital<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. If add-on factor increases, RWA will:<\/p>\n  <button data-correct=\"false\">Decrease<\/button>\n  <button data-correct=\"true\">Increase<\/button>\n  <button data-correct=\"false\">Stay constant<\/button>\n  <button data-correct=\"false\">Become zero<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. Which exposure is considered contingent liability?<\/p>\n  <button data-correct=\"false\">Fixed deposit<\/button>\n  <button data-correct=\"false\">Loan<\/button>\n  <button data-correct=\"true\">Derivative contract<\/button>\n  <button data-correct=\"false\">Equity share<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Resetting of derivative contract means:<\/p>\n  <button data-correct=\"false\">Cancel contract<\/button>\n  <button data-correct=\"true\">Restart contract value to zero periodically<\/button>\n  <button data-correct=\"false\">Extend maturity<\/button>\n  <button data-correct=\"false\">Double exposure<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. Residual maturity is calculated based on:<\/p>\n  <button data-correct=\"false\">Full tenure<\/button>\n  <button data-correct=\"false\">Remaining time<\/button>\n  <button data-correct=\"true\">Time till next reset date<\/button>\n  <button data-correct=\"false\">Random value<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. Minimum add-on for interest rate contracts beyond 1 year is:<\/p>\n  <button data-correct=\"false\">0%<\/button>\n  <button data-correct=\"false\">0.25%<\/button>\n  <button data-correct=\"true\">0.5%<\/button>\n  <button data-correct=\"false\">1%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. Clearing corporations help in:<\/p>\n  <button data-correct=\"false\">Increasing profit<\/button>\n  <button data-correct=\"true\">Reducing risk<\/button>\n  <button data-correct=\"false\">Raising capital<\/button>\n  <button data-correct=\"false\">Issuing loans<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. A clearing member acts as:<\/p>\n  <button data-correct=\"false\">Borrower<\/button>\n  <button data-correct=\"false\">Lender<\/button>\n  <button data-correct=\"true\">Intermediary for settlement<\/button>\n  <button data-correct=\"false\">Investor<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. Which entity cannot directly deal with CCP?<\/p>\n  <button data-correct=\"false\">Bank<\/button>\n  <button data-correct=\"false\">Clearing member<\/button>\n  <button data-correct=\"true\">Retail investor<\/button>\n  <button data-correct=\"false\">Institution<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. Qualified Central Counterparty (QCCP) has:<\/p>\n  <button data-correct=\"false\">Weak risk management<\/button>\n  <button data-correct=\"true\">Strong risk management<\/button>\n  <button data-correct=\"false\">No regulation<\/button>\n  <button data-correct=\"false\">High default rate<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>21. Risk weight for exposure to QCCP is generally:<\/p>\n  <button data-correct=\"false\">0%<\/button>\n  <button data-correct=\"true\">2%<\/button>\n  <button data-correct=\"false\">5%<\/button>\n  <button data-correct=\"false\">10%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>22. If bank has no liability and legal opinion confirms it, risk weight becomes:<\/p>\n  <button data-correct=\"false\">2%<\/button>\n  <button data-correct=\"false\">5%<\/button>\n  <button data-correct=\"true\">0%<\/button>\n  <button data-correct=\"false\">10%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>23. Commodity derivatives are more risky due to:<\/p>\n  <button data-correct=\"false\">Stability<\/button>\n  <button data-correct=\"false\">Regulation<\/button>\n  <button data-correct=\"true\">Volatility<\/button>\n  <button data-correct=\"false\">Liquidity<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>24. Equity derivatives have higher risk because of:<\/p>\n  <button data-correct=\"false\">Fixed returns<\/button>\n  <button data-correct=\"false\">Low liquidity<\/button>\n  <button data-correct=\"true\">Price fluctuations<\/button>\n  <button data-correct=\"false\">Government backing<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>25. Add-on factor for forex contracts is generally:<\/p>\n  <button data-correct=\"false\">Very low<\/button>\n  <button data-correct=\"true\">Moderate<\/button>\n  <button data-correct=\"false\">Zero<\/button>\n  <button data-correct=\"false\">Very high<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>26. Banks must maintain additional capital because:<\/p>\n  <button data-correct=\"false\">To increase profits<\/button>\n  <button data-correct=\"true\">To cover potential risks<\/button>\n  <button data-correct=\"false\">To pay taxes<\/button>\n  <button data-correct=\"false\">To reduce deposits<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>27. Risk weighted assets consider:<\/p>\n  <button data-correct=\"false\">Only loan amount<\/button>\n  <button data-correct=\"false\">Only interest<\/button>\n  <button data-correct=\"true\">Risk level of assets<\/button>\n  <button data-correct=\"false\">Profit margin<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>28. Government securities carry:<\/p>\n  <button data-correct=\"false\">High risk<\/button>\n  <button data-correct=\"false\">Moderate risk<\/button>\n  <button data-correct=\"true\">Low risk<\/button>\n  <button data-correct=\"false\">No value<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>29. Loans to risky borrowers increase:<\/p>\n  <button data-correct=\"false\">Profit<\/button>\n  <button data-correct=\"true\">RWA<\/button>\n  <button data-correct=\"false\">Deposits<\/button>\n  <button data-correct=\"false\">Capital<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>30. If capital remains same and RWA increases, CAR will:<\/p>\n  <button data-correct=\"false\">Increase<\/button>\n  <button data-correct=\"true\">Decrease<\/button>\n  <button data-correct=\"false\">Stay same<\/button>\n  <button data-correct=\"false\">Double<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>31. OTC derivatives lack:<\/p>\n  <button data-correct=\"false\">Regulation<\/button>\n  <button data-correct=\"true\">Clearing mechanism<\/button>\n  <button data-correct=\"false\">Investors<\/button>\n  <button data-correct=\"false\">Contracts<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>32. CCR applies before:<\/p>\n  <button data-correct=\"false\">Contract signing<\/button>\n  <button data-correct=\"true\">Final settlement<\/button>\n  <button data-correct=\"false\">Payment<\/button>\n  <button data-correct=\"false\">Loan approval<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>33. Banks use add-on factors to estimate:<\/p>\n  <button data-correct=\"false\">Current income<\/button>\n  <button data-correct=\"true\">Future risk exposure<\/button>\n  <button data-correct=\"false\">Tax liability<\/button>\n  <button data-correct=\"false\">Interest rate<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>34. Clearing corporations act as:<\/p>\n  <button data-correct=\"false\">Buyers<\/button>\n  <button data-correct=\"false\">Sellers<\/button>\n  <button data-correct=\"true\">Central counterparties<\/button>\n  <button data-correct=\"false\">Lenders<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>35. CCP reduces risk by:<\/p>\n  <button data-correct=\"false\">Eliminating trade<\/button>\n  <button data-correct=\"true\">Acting as intermediary<\/button>\n  <button data-correct=\"false\">Increasing volatility<\/button>\n  <button data-correct=\"false\">Reducing capital<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>36. Risk in derivatives is mainly due to:<\/p>\n  <button data-correct=\"false\">Fixed returns<\/button>\n  <button data-correct=\"true\">Volatility and uncertainty<\/button>\n  <button data-correct=\"false\">Government guarantee<\/button>\n  <button data-correct=\"false\">Tax benefits<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>37. Add-on factor increases with:<\/p>\n  <button data-correct=\"false\">Shorter duration<\/button>\n  <button data-correct=\"false\">Lower risk<\/button>\n  <button data-correct=\"true\">Longer duration<\/button>\n  <button data-correct=\"false\">Lower exposure<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>38. Bank acting as clearing member carries:<\/p>\n  <button data-correct=\"false\">No risk<\/button>\n  <button data-correct=\"true\">Counterparty risk<\/button>\n  <button data-correct=\"false\">Market risk only<\/button>\n  <button data-correct=\"false\">Operational risk only<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>39. CCR framework ensures:<\/p>\n  <button data-correct=\"false\">Profit maximization<\/button>\n  <button data-correct=\"true\">Financial stability<\/button>\n  <button data-correct=\"false\">Loan growth<\/button>\n  <button data-correct=\"false\">Tax reduction<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>40. RBI guidelines focus on:<\/p>\n  <button data-correct=\"false\">Increasing lending<\/button>\n  <button data-correct=\"true\">Reducing risk exposure in banking system<\/button>\n  <button data-correct=\"false\">Increasing deposits<\/button>\n  <button data-correct=\"false\">Promoting exports<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span 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While these instruments help manage risk, they also introduce uncertainty.<\/p>\n\n\n\n<p>The RBI observed that many such transactions expose banks to future risks that are not fully captured in their capital calculations.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Issue<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>High derivative exposure<\/td><td>Banks are entering multiple derivative contracts<\/td><\/tr><tr><td>OTC risks<\/td><td>Higher default risk due to absence of central clearing<\/td><\/tr><tr><td>Underestimated risk<\/td><td>Future exposure not fully considered<\/td><\/tr><tr><td>Increasing complexity<\/td><td>Different asset classes have different risk levels<\/td><\/tr><tr><td>Need for regulation<\/td><td>To prevent systemic financial instability<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-key-changes-introduced-by-the-rbi-amendment\"><span class=\"ez-toc-section\" id=\"What_are_the_key_changes_introduced_by_the_RBI_amendment\"><\/span>What are the key changes introduced by the RBI amendment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI has introduced add-on factors to calculate potential future exposure and required banks to maintain additional capital buffers. This ensures that banks are financially prepared if things go wrong in the future.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Change<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Add-on factors<\/td><td>Applied to derivative contracts<\/td><\/tr><tr><td>Capital requirement<\/td><td>Additional capital to be maintained<\/td><\/tr><tr><td>Risk-based approach<\/td><td>Different rates for different asset classes<\/td><\/tr><tr><td>Time-based increase<\/td><td>Higher add-on for longer maturity<\/td><\/tr><tr><td>Coverage<\/td><td>Includes off-balance sheet items<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/courses\/?ref=contac-blog-raccrf\" target=\"_blank\" rel=\"noreferrer noopener\">Explore the Online Courses<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-add-on-factors-work-in-derivative-contracts\"><span class=\"ez-toc-section\" id=\"How_do_add-on_factors_work_in_derivative_contracts\"><\/span>How do add-on factors work in derivative contracts?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Add-on factors are percentages applied to the notional value of derivative contracts to estimate potential future exposure. For example, if a bank enters a \u20b9100 crore derivative contract and the add-on factor is 5%, then \u20b95 crore is considered as potential exposure.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Example<\/strong><\/td><\/tr><tr><td>Contract value<\/td><td>\u20b9100 crore<\/td><\/tr><tr><td>Add-on factor<\/td><td>5%<\/td><\/tr><tr><td>Potential exposure<\/td><td>\u20b95 crore<\/td><\/tr><tr><td>Purpose<\/td><td>To include future risk in capital calculation<\/td><\/tr><tr><td>Impact<\/td><td>Increases capital requirement<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-are-different-asset-classes-treated-under-these-guidelines\"><span class=\"ez-toc-section\" id=\"How_are_different_asset_classes_treated_under_these_guidelines\"><\/span>How are different asset classes treated under these guidelines?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI has assigned different add-on factors based on the type of underlying asset and its risk level. Higher volatility assets attract higher add-on factors.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Asset Type<\/strong><\/td><td><strong>Risk Level<\/strong><\/td><td><strong>Add-on Factor Trend<\/strong><\/td><\/tr><tr><td>Interest Rate Contracts<\/td><td>Low<\/td><td>~0.25%<\/td><\/tr><tr><td>Exchange Rate &amp; Gold<\/td><td>Moderate<\/td><td>~1%<\/td><\/tr><tr><td>Equity<\/td><td>High<\/td><td>~6%<\/td><\/tr><tr><td>Precious Metals (except gold)<\/td><td>Higher<\/td><td>~7\u20138%<\/td><\/tr><tr><td>Other Commodities<\/td><td>Very High<\/td><td>~10\u201315%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<figure class=\"wp-block-embed wp-embed-aspect-16-9 wp-has-aspect-ratio  is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper video-seo-youtube-embed-wrapper\"><div class=\"video-seo-youtube-player\" data-id=\"FkwMx4nPKu8&#038;t=4s\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-do-add-on-factors-increase-with-time\"><span class=\"ez-toc-section\" id=\"Why_do_add-on_factors_increase_with_time\"><\/span>Why do add-on factors increase with time?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The longer the duration of a contract, the higher the uncertainty. More time means more chances for adverse movements or default. This is why RBI has increased add-on factors for contracts with longer maturity.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Time Period<\/strong><\/td><td><strong>Risk Impact<\/strong><\/td><\/tr><tr><td>Short-term<\/td><td>Lower uncertainty<\/td><\/tr><tr><td>Medium-term<\/td><td>Moderate risk<\/td><\/tr><tr><td>Long-term<\/td><td>Higher uncertainty<\/td><\/tr><tr><td>Reason<\/td><td>More time for things to go wrong<\/td><\/tr><tr><td>Outcome<\/td><td>Higher capital requirement<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-impact-on-capital-adequacy-ratio-car\"><span class=\"ez-toc-section\" id=\"What_is_the_impact_on_capital_adequacy_ratio_CAR\"><\/span>What is the impact on capital adequacy ratio (CAR)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Capital Adequacy Ratio (CAR), also known as Capital to Risk Weighted Assets Ratio (CRAR), measures a bank\u2019s financial strength. When add-on factors increase risk-weighted assets, the CAR may fall unless banks increase their capital.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Component<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>Capital<\/td><td>Tier 1 + Tier 2 capital<\/td><\/tr><tr><td>Risk Weighted Assets<\/td><td>Assets adjusted for risk<\/td><\/tr><tr><td>Effect of add-ons<\/td><td>Increases RWA<\/td><\/tr><tr><td>Impact on CAR<\/td><td>CAR decreases<\/td><\/tr><tr><td>RBI requirement<\/td><td>Maintain minimum CAR<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/previous-year-papers\/?ref=contac-blog-raccrf\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Previous Year Papers<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-overall-impact-of-these-guidelines-on-banks\"><span class=\"ez-toc-section\" id=\"What_is_the_overall_impact_of_these_guidelines_on_banks\"><\/span>What is the overall impact of these guidelines on banks?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>These amendment directions aim to make banks more resilient and prepared for future uncertainties. While they increase compliance requirements, they also strengthen financial stability.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Impact Area<\/strong><\/td><td><strong>Effect<\/strong><\/td><\/tr><tr><td>Capital requirement<\/td><td>Increases<\/td><\/tr><tr><td>Risk management<\/td><td>Improves<\/td><\/tr><tr><td>Profitability<\/td><td>May reduce in short term<\/td><\/tr><tr><td>Stability<\/td><td>Improves significantly<\/td><\/tr><tr><td>Compliance<\/td><td>Becomes stricter<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1774617092563\"><strong class=\"schema-faq-question\">1. What is Counterparty Credit Risk (CCR)?<\/strong> <p class=\"schema-faq-answer\">It is the risk that the other party in a financial contract fails to meet its obligation before final settlement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1774617093788\"><strong class=\"schema-faq-question\">2. <strong>Who issued the amendment on Counterparty Credit Risk?<\/strong><\/strong> <p class=\"schema-faq-answer\">The Reserve Bank of India issued the amendment directions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1774617094859\"><strong class=\"schema-faq-question\">3. When were the RBI CCR amendment directions released?<\/strong> <p class=\"schema-faq-answer\">The amendment directions were released on 10 March 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1774617095588\"><strong class=\"schema-faq-question\">4. <strong>Why did RBI introduce these guidelines?<\/strong><\/strong> <p class=\"schema-faq-answer\">To ensure banks maintain adequate capital against risks arising from derivative transactions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1774617096123\"><strong class=\"schema-faq-question\">5. What are add-on factors in CCR?<\/strong> <p class=\"schema-faq-answer\">Add-on factors are percentages applied to estimate potential future exposure of derivative contracts.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-rbwm-mcqs\/\">50 Most Repetitive MCQs for JAIIB RBWM 2026, Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/global-economic-prospects-report-quiz\/\">Attempt Global Economic Prospects Report Quiz and Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/global-financial-stability-report-quiz\/\">Attempt Global Financial Stability Report Quiz and Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/global-risk-report-quiz\/\">Attempt Global Risks Report\u00a0Practice Quiz and Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/global-hunger-index-quiz\/\">Attempt Global Hunger Index Practice Quiz and Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/global-gender-gap-report-quiz\/\">Attempt Global Gender Gap Report Quiz, Download Free PDF<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>When banks deal in complex financial contracts, even a small mistake can turn into a big loss. One such risk<\/p>\n","protected":false},"author":58,"featured_media":240778,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2151,10237],"tags":[],"class_list":["post-240775","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quiz_test","category-preparation-resources","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Amends Counterparty Credit Risk Framework, Check Details<\/title>\n<meta name=\"description\" content=\"Understand the RBI amendments to Counterparty Credit Risk Framework and its impact on banking and financial transactions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-amends-counterparty-credit-risk-framework\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Amends Counterparty Credit Risk Framework, Check Details\" \/>\n<meta property=\"og:description\" content=\"When banks deal in complex financial contracts, even a small mistake can turn into a big loss. 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