Section 21(2) of the Banking Regulation Act, 1949 empowers the Reserve Bank to give specific directions to banking companies regarding advances policy. Which of the following is NOT one of the five matters expressly listed in Section 21(2) on which directions may be given?

Section 21(2) lists five specific matters on which the Reserve Bank may give directions to banking companies: (a) the purposes for which advances may or may not be made; (b) the margins to be maintained in respect of secured advances; (c) the maximum amount of advances or other financial accommodation to any one company, firm, association of persons or individual; (d) the maximum amount up to which guarantees may be given on behalf of any one entity; and (e) the rate of interest and other terms and conditions on which advances or guarantees may be made or given. A minimum credit-rating requirement for borrowers is not one of the five listed matters in Section 21(2). This tool is exercised through other prudential norms and rating frameworks rather than under this provision. Every banking company is bound to comply with any directions given under Section 21(3).