Reserve Bank of India Governor Sanjay Malhotra on Monday reacted to IDFC First Bank's ₹590-crore fraud committed by its employees at a Chandigarh branch in Haryana government-linked accounts. "We are watching the development, there is no systemic issue here," said Malhotra. "Banks have enough capital with them. Capital adequacy is 17% while the requirement is of 11.5%," he added.