Garrett: How long are you planning to stay here? clomid to get pregnant The VRs could come under pressure should the banks' loss-absorption capacities weaken significantly in the face of event risks such as sizeable takeovers, excessive growth or a material increase in risk appetite, including increasing concentration of exposures and unseasoned portfolios. Such a scenario would also be negative for the IDRs of China Bank, RCBC and Security Bank. It would, however, be neutral for Union Bank's IDRs, which are at the same level as its SRF.