Moreover, firms have actively explored new alliances or organizational forms between firms that are not constrained by traditional arrangements such as business affiliations or business groupings, as illustrated, for instance, by the promotion of cross-border supply chain management to respond promptly to customer demand. This applies even to nonmanufacturers and small-sized firms.
(RBI’s licensing policy for small finance banks has stipulated higher exposure to priority sectors.) (iii)  Third, banks may have to revisit at an opportune time (not now) in due course (that is, in the future) the individual company/group credit exposure limits, as well as sector exposures as part of their learning for the future for better risk management practices over the business cycle.