Loans are the main component of risk weighted assets, with a risk weighting of 100 percent. If a bank is only just able to comply with the minimum regulatory capital adequacy ratio, it cannot increase its holdings of risk weighted assets, for example, by expanding its loan portfolio, unless it also mobilises more capital.
Though it has taken some time for us to introduce the prudential norms, I am sure that the banks in India follow these norms as a gospel.