(2) The RBI, in April 2017, saidthat co-operative banks candeploy their own points of saleterminals only if their net assetsare more than Rs 25 crore,gross NPAs less than 7 per centand no monetary penaltyshould have been imposed fortwo financial years. Also, thebank’s IT systems & core bankingsolution should have beensubjected to an audit not earlierthan six months from applicationto confirm that thesystem is adequately secure.