Which of the following is NOT a criterion for determining the FSWM status of a UCB?

The FSWM criteria for UCBs include maintaining a.   The CRAR shall be at least 1 percentage point above the minimum CRAR applicable to an UCB as on the reference date; b.   Net NPA of not more than 3%; c.   Net profit for at least three out of the preceding four years subject to it not having incurred a net loss in the immediate preceding year; d.   No default in the maintenance of CRR / SLR during the preceding financial year; e.   Sound internal control system with at least two professional directors on the Board; f.    Core Banking Solution (CBS) fully implemented; and g.   No monetary penalty should have been imposed on the bank on account of violation of RBI directives / guidelines during the last two financial years.