Other areas that need strengthening include securitization related regulation, market risk management tools and improvement to the Supervisory Review and Evaluation Process of Pillar II of Basel II as per the Basel III enhancements. (b)  Liquidity management  17.
The Financial Stability Report (FSR) of the Reserve Bank of India for the half year ended June 2011 has expressed concerns over growing reliance of banks on wholesale funding/ market borrowing to fund assets. One reason for such reliance could be the low growth of deposits not commensurate with the credit growth.