The article discusses stress testing in the banking sector to assess potential capital needs during tough economic times. By analyzing factors like non-performing assets and economic indicators, the researchers simulated scenarios to predict credit quality and capital reserves. They found that when credit quality worsens at a macro level, the banking sector's overall capital ratio decreases. The study of top banks over six years showed that minimum capital adequacy ratios could drop to 8-9% with high non-performing assets. This information can help bankers and policymakers make informed decisions to ensure financial stability.