Exposure ceilings for Banking Units restrict lending concentration to single borrowers and borrower groups based on Parent Bank capital.

Exposure ceilings applicable to a Banking Unit restrict exposure to a single borrower to five percent of the Parent Bank's Tier 1 capital and exposure to a borrower group to ten percent of that capital. These prudential limits regulate credit concentration by linking permissible single-borrower and group exposure to the Parent Bank's Tier 1 capital.

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