Such banks exhibit common equity Tier I ratios of only six-ten percent and their coverage of non-performing loans with loan-loss reserves averages 55 percent. Terming the Indian government's decision to inject Rs.700 billion into public sector banks over the next four years as a credit positive, Moody's said the amount is short of overall capital needs of the banks. "Ability to access equity capital markets remains key if the public sector banks have to address their capital shortfall," Moody's said. As for funding and liquidity, these factors are credit strengths for Indian banks because retail deposits are their primary source of funding. Most banks comply comfortably with required liquidity coverage ratios, even though only part of their holdings of government securities is categorised as high-quality liquid assets, the rating agency said.