(1) A bank or a financial institution shall maintain a capital fund in the proportion determined by the National Bank based on its total assets or total risk-weighted assets. When the National Bank determines such a ratio, it may also determine the additional capital ratio. (2) If any bank or financial institution fails to maintain the capital fund as per sub-section (1), the board of directors of such bank or financial institution shall inform the National Bank within one month. (3) Sub-section ( 2) In addition to other things, the reason for the capital fund not being maintained and the plan or program prepared by the board of directors to increase the capital fund and bring it to the condition given by the National Bank must also be attached to the information. (4) According to sub-sections (2) and (3), the board of directors The National Bank may give necessary instructions to the relevant bank or financial institution to amend or modify the proposed plan or program and implement the proposed plan or program if it deems appropriate and if any amendment or modification is necessary.