According to the RBI's recent guidelines, the risk weights for bank credit exposure to NBFCs are influenced by ratings from accredited external credit assessment institutions (ECAIs). The revised guidelines state that the risk weight on exposures of scheduled commercial banks to NBFCs (excluding core investment companies) has been increased by 25 percentage points over the existing ratings-based risk weight if the NBFC’s external rating is below 100%. This adjustment is intended to mitigate potential risks associated with credit exposure to NBFCs, especially when ____ is lower than the prescribed benchmark.